462 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 462 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,256 sqft · built 2004
Lot Size	0.644 acres (28,053 sqft)
Owner	Company Name on File
Last Sale	$397,000 (Jun 2025)
Tax Bill	$3,081 (2025)
Deeds & Mortgages	Apr 2005 Line of Credit Nov 2014 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 434`

Property Details

APN / Parcel Number

Primary APN	`18A 5 434`
Alternative APN	`6664`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,256 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	2,240 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,053 sqft (0.644 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6664
Street Address	462 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001989 TUFTON-5 LOT 434 28,062 SF
Legal Subdivision	PHASE V-TUFTON
Legal Block	43
Legal Lot Number	434
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2015
Census Tract	20104

Owner

462 Jefferson Dr is owned by a company that bought it in June 2025.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Company Name on File
Mailing Address	17090 QUAIL CREEK CIR, HAMILTON, VA 20158-3101
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2005	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Nov 24, 2014	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE CORP AMERICA
Oct 7, 2005	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE
Jul 18, 2023	Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP
Jan 26, 2023	Deed, Transfer · Commercial Mortgage B & L FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2025 · Amount on File
Deed Sale	Jun 11, 2025 · Amount on File
Prior Sale	Jun 11, 2025 · Amount on File
Deed Document Number	20251730
Record Updated	Sep 20, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000628/908
Date	Apr 25, 2005
Book Page	628/908
Instrument	2634

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 20, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001403281
Date	Nov 24, 2014
Instrument	1403281

Lender

Name	PNC MORTGAGE CORP AMERICA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2044

Interest

Rate Type	Fixed Rate
Rate	4.62%

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000655/677
Date	Oct 7, 2005
Book Page	655/677
Instrument	6966

Lender

Name	NATIONAL CITY MORTGAGE
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2035

Interest

Rate	6%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 18, 2023
Property Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Document Number	0230001989
Map Reference	DB 86 PG 404
Instrument Date	Jul 17, 2023
Instrument	230001989
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Investor	Possibly a Property Investor

Mortgage

Document Number	0230001990
Date	Jul 18, 2023
Instrument	230001990

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 26, 2023
Property Address	462 JEFFERSON DR, PALMYRA, VA 22963-2902
Document Number	0230000230
Map Reference	DB 86 PG 404
Instrument Date	Jan 25, 2023
Instrument	230000230
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.50
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2548, LEESBURG, VA 20177-7754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17090 QUAIL CREEK CIR, HAMILTON, VA 20158-3101
Investor	Possibly a Property Investor

Mortgage

Document Number	0230000231
Date	Jan 26, 2023
Instrument	230000231

Lender

Name	B & L FUNDING LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 462 Jefferson Dr was $3,081.

Source: Fluvanna County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$408,100 (-) Land $33,000 Building $375,100	$408,100 (-) Land $33,000 Building $375,100
2025	$3,081.00	$408,100 Land $33,000 Building $375,100	$408,100 Land $33,000 Building $375,100
2023		$323,600 Land $33,000 Building $290,600	$323,600 Land $33,000 Building $290,600
2022	$2,731.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 462 Jefferson Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 462 Jefferson Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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