476 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 476 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,568 sqft · built 2001
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Feb 2019)
Tax Bill	$2,769 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 427`

Property Details

APN / Parcel Number

Primary APN	`18A 5 427`
Alternative APN	`8334`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,568 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,856 sqft (0.364 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8334
Street Address	476 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 190000470 TUFTON-5 LOT 427 15,850 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	42
Legal Lot Number	427
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2015
Census Tract	20104

Owner

476 Jefferson Dr is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	476 JEFFERSON DR, PALMYRA, VA 22963-2902
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Feb 21, 2019	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2019 · Amount on File
Deed Sale	Feb 21, 2019 · Amount on File
Prior Sale	Feb 29, 2016
Deed Document Number	2019470
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	476 JEFFERSON DR, PALMYRA, VA 22963-2902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200003954
Date	Oct 5, 2020
Instrument	200003954

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 21, 2019
Property Address	476 JEFFERSON DR, PALMYRA, VA 22963-2902
Document Number	1900470
Map Reference	PB 86 PG 402
Instrument Date	Feb 6, 2019
Instrument	1900470
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 JEFFERSON DR, PALMYRA, VA 22963-2902

Mortgage

Document Number	1900471
Date	Feb 21, 2019
Instrument	1900471

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 476 Jefferson Dr was $2,769.

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		$366,800 (-) Land $30,000 Building $336,800	$366,800 (-) Land $30,000 Building $336,800
2025	$2,769.00	$366,800 Land $30,000 Building $336,800	$366,800 Land $30,000 Building $336,800
2023		$272,400 Land $30,000 Building $242,400	$272,400 Land $30,000 Building $242,400
2022	$2,299.00

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

Flood

FEMA maps place 476 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 476 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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