609 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 609 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1993
Lot Size	0.372 acres (16,204 sqft)
Owner	Individual Name on File
Last Sale	$338,500 (Aug 2025)
Tax Bill	$2,348 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 117`

Property Details

APN / Parcel Number

Primary APN	`18A 5 117`
Alternative APN	`4295`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,300 sqft
Basement Area	520 sqft
Finished Basement	520 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,204 sqft (0.372 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	248 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	4295
Street Address	609 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001469 TUFTON-5 LOT 117 16,212 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	11
Legal Lot Number	117
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2000
Census Tract	20104

Owner

609 Jefferson Dr is owned and occupied by an individual who bought it in August 2025.

Source: Fluvanna County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035
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
Aug 12, 2025	Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 24, 2023	Deed, Transfer STEWART TITLE
Jun 1, 2023	Deed, Transfer CLOSURE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2025 · Amount on File
Deed Sale	Aug 12, 2025 · Amount on File
Prior Sale	Jun 1, 2023 · Amount on File
Deed Document Number	20252386
Record Updated	Sep 20, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 12, 2025
Property Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035
Document Number	0250002386
Map Reference	MB 79 PG 91
Instrument Date	Aug 1, 2025
Instrument	250002386
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035

Mortgage

Document Number	0250002387
Date	Aug 12, 2025
Instrument	250002387

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Mortgage

Document Number	0250002388
Date	Aug 12, 2025
Instrument	250002388

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 24, 2023
Property Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035
Document Number	0230002024
Map Reference	DB 79 PG 19
Instrument Date	Jun 26, 2023
Instrument	230002024
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 1, 2023
Property Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035
Document Number	0230001469
Map Reference	DB 79 PG 91
Instrument Date	May 26, 2023
Instrument	230001469
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	CLOSURE TITLE

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 JEFFERSON DR, PALMYRA, VA 22963-3035

Tax Assessment & Valuation

The 2025 property tax bill for 609 Jefferson Dr was $2,348, up 0.7% from the year before.

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		$311,000 (-) Land $30,000 Building $281,000	$311,000 (-) Land $30,000 Building $281,000
2025	$2,348.00 (+0.69%)	$311,000 Land $30,000 Building $281,000	$311,000 Land $30,000 Building $281,000
2024	$2,332.00
2023		$199,700 Land $30,000 Building $169,700	$199,700 Land $30,000 Building $169,700
2022	$1,685.00

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

Flood

FEMA maps place 609 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 609 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 214 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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