641 Justin Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 641 Justin Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,576 sqft · built 2012
Lot Size	0.625 acres (27,225 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2018)
Tax Bill	$3,746 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18 12 88`

Property Details

APN / Parcel Number

Primary APN	`18 12 88`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,576 sqft Living Area
Gross Area	4,495 sqft
1st Floor Area	2,576 sqft
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,225 sqft (0.625 acres)
Terrain	Rolling
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	641 JUSTIN DR
City	PALMYRA
State	VA
Zip	22963-2088
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	INST 180000509 AC 0.6252 SYCAMORE SQUARE PHASE III
Legal Subdivision	SYCAMORE SQUARE
Legal Phase	3
Legal Block	8
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4008
Census Tract	20101

Owner

641 Justin Dr is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	641 JUSTIN DR, PALMYRA, VA 22963-2088
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
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 20, 2018	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2018 · Amount on File
Deed Sale	Feb 20, 2018 · Amount on File
Prior Sale	May 22, 2012 · Amount on File
Deed Document Number	2018509
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	641 JUSTIN DR, PALMYRA, VA 22963-2088
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001478
Date	Mar 24, 2021
Instrument	210001478

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 20, 2018
Property Address	641 JUSTIN DR, PALMYRA, VA 22963-2088
Document Number	1800509
Map Reference	PB 2 PG 255
Instrument Date	Feb 2, 2018
Instrument	1800509
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 JUSTIN DR, PALMYRA, VA 22963-2088

Mortgage

Document Number	1800510
Date	Feb 20, 2018
Instrument	1800510

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 641 Justin Dr was $3,746.

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		$496,200 (-) Land $35,000 Building $461,200	$496,200 (-) Land $35,000 Building $461,200
2025	$3,746.00	$496,200 Land $35,000 Building $461,200	$496,200 Land $35,000 Building $461,200
2023		$388,000 Land $35,000 Building $353,000	$388,000 Land $35,000 Building $353,000
2022	$3,274.00

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

Flood

FEMA maps place 641 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

Wildfire risk around 641 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.

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 133 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: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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