Fluvanna County property record for 635 Jefferson Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,100 sqft · built 1985 |
| Lot Size | 0.348 acres (15,159 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Dec 2020) |
| Tax Bill | $2,644 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 5 104 |
| Primary APN | 18A 5 104 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| Gross Area | 2,624 sqft |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Finished Basement | 1,056 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,159 sqft (0.348 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 128 sqft |
| Deck Area | 340 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8963 |
|---|---|
| Street Address | 635 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 200005291 TUFTON-5 LOT 104 15,183 SF |
| Legal Subdivision | LAKE MONTICELLO |
| Legal Block | 10 |
| Legal Lot Number | 104 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20104 |
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 | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2020 | Deed, Transfer · FHA Mortgage NFM INC |
| Jun 11, 2019 | Deed, Transfer · FHA Mortgage VA CU INC |
| Mar 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VA CU INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on Record |
| Deed Sale | Dec 18, 2020 · Amount on Record |
| Prior Sale | Jun 11, 2019 · Amount on Record |
| Deed Document Number | 20205291 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Dec 18, 2020 |
| Property Address | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Document Number | 200005291 |
| Map Reference | DB 79 PG 91 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 200005291 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Document Number | 200005292 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 200005292 |
| Name | NFM INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jun 11, 2019 |
| Property Address | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Document Number | 1901659 |
| Map Reference | PB 79 PG 91 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 1901659 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Document Number | 1901660 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 1901660 |
| Name | VA CU INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0001901661 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 1901661 |
| Name | VA CU INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 635 JEFFERSON DR, PALMYRA, VA 22963-3035 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1800693 |
|---|---|
| Date | Mar 8, 2018 |
| Instrument | 1800693 |
| Name | VA CU INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 28, 2033 |
| Rate Type | Fixed Rate |
|---|
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 | $350,300 (-) Land $30,000 Building $320,300 | $350,300 (-) Land $30,000 Building $320,300 | |
| 2025 | $2,644.00 (+45.35%) | $350,300 (+62.48%) Land $30,000 Building $320,300 | $350,300 (+62.48%) Land $30,000 Building $320,300 |
| 2023 | $215,600 Land $30,000 Building $185,600 | $215,600 Land $30,000 Building $185,600 | |
| 2022 | $1,819.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 187 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 |
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