Fluvanna County property record for 474 Justin Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,992 sqft · built 2008 |
| Lot Size | 0.585 acres (25,483 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,700 (Jun 2015) |
| Tax Bill | $2,835 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18 12 44 |
| Primary APN | 18 12 44 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,992 sqft Living Area |
| Gross Area | 3,388 sqft |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,483 sqft (0.585 acres) |
| Terrain | Rolling |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 474 JUSTIN DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-2084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | DB 942-138 AC 0.5849 SYCAMORE SQUARE PHASE II |
| Legal Subdivision | SYCAMORE SQUARE |
| Legal Phase | 2 |
| Legal Block | 4 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 20101 |
474 Justin Dr is owned and occupied by an individual who bought it in June 2015.
Source: Fluvanna County records, as of June 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 474 JUSTIN DR, PALMYRA, VA 22963-2084 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2015 · Amount on File |
| Deed Sale | Jun 23, 2015 · Amount on File |
| Prior Sale | Dec 29, 2008 · Amount on File |
| Deed Document Number | 20151875 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 474 JUSTIN DR, PALMYRA, VA 22963-2084 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220000421 |
|---|---|
| Date | Feb 4, 2022 |
| Instrument | 220000421 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Jul 1, 2045 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 474 Justin Dr was $2,835.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,500 (-) Land $35,000 Building $340,500 | $375,500 (-) Land $35,000 Building $340,500 | |
| 2025 | $2,835.00 | $375,500 Land $35,000 Building $340,500 | $375,500 Land $35,000 Building $340,500 |
| 2023 | $321,300 Land $35,000 Building $286,300 | $321,300 Land $35,000 Building $286,300 | |
| 2022 | $2,711.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Justin 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 | 5 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 risk around 474 Justin Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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