481 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 481 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1996
Lot Size	0.372 acres (16,204 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Sep 2011)
Tax Bill	$2,015 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2007 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 272`

Property Details

APN / Parcel Number

Primary APN	`18A 5 272`
Alternative APN	`5541`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	1,560 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,204 sqft (0.372 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 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	5541
Street Address	481 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 850-301 TUFTON-5 LOT 272 16,204 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	27
Legal Lot Number	272
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2017
Census Tract	20104

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	481 JEFFERSON DR, PALMYRA, VA 22963-2901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CENTER LLC
Nov 5, 2007	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Sep 20, 2005	Deed of Trust, Mortgage · ARM METROCITIES MORTGAGE LIC
Sep 26, 2011	Special Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2011 · Amount on Record
Deed Sale	Sep 26, 2011 · Amount on Record
Prior Sale	Nov 12, 2010 · Amount on Record
Deed Document Number	20112946
Deed Book / Page	850 / 301
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	481 JEFFERSON DR, PALMYRA, VA 22963-2901
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000987
Date	Mar 1, 2021
Instrument	210000987

Lender

Name	CAPITAL CENTER LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	481 JEFFERSON DR, PALMYRA, VA 22963-2901
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000747/871
Date	Nov 5, 2007
Book Page	747/871
Instrument	5994

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	RICHMOND, VA 23227

Agreement

Type	ARM
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Nov 1, 2017
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.5%
Index	1-Year LIBOR
Max Rate	11.5%

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	481 JEFFERSON DR, PALMYRA, VA 22963-2901
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000652/636
Date	Sep 20, 2005
Book Page	652/636
Instrument	6433

Lender

Name	METROCITIES MORTGAGE LIC
Address	SHERMAN OAKS, CA 91403

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Oct 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Index	6-Month LIBOR
Margin	5
Max Rate	13.5%

September 2011: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 26, 2011
Property Address	481 JEFFERSON DR, PALMYRA, VA 22963-2901
Document Number	000850/301
Book / Page	850 / 301
Map Reference	DD86 PG404
Instrument Date	Sep 23, 2011
Instrument	1102946
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
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	481 JEFFERSON DR, PALMYRA, VA 22963-2901

Mortgage

Document Number	0001102947
Date	Sep 26, 2011
Instrument	1102947

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Sep 26, 2044

Tax Assessment & Valuation

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		$267,000 (-) Land $30,000 Building $237,000	$267,000 (-) Land $30,000 Building $237,000
2025	$2,015.00 (+0.65%)	$267,000 (+21.81%) Land $30,000 Building $237,000	$267,000 (+21.81%) Land $30,000 Building $237,000
2024	$2,002.00 (+8.22%)
2023		$219,200 Land $30,000 Building $189,200	$219,200 Land $30,000 Building $189,200
2022	$1,850.00

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

Flood

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

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.

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

Nearby Properties on Jefferson Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures