Fluvanna County property record for 644 Jefferson Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,280 sqft · built 2003 |
| Lot Size | 0.465 acres (20,255 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (May 2025) |
| Tax Bill | $2,120 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 5 98 |
| Primary APN | 18A 5 98 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| Gross Area | 2,848 sqft |
| 1st Floor Area | 1,280 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,255 sqft (0.465 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 9801 |
|---|---|
| Street Address | 644 JEFFERSON DR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 180003717 TUFTON-5 LOT 98 20,239 SF |
| Legal Subdivision | TUFTON LAKE MONTICELLO SUBDIVISION |
| Legal Block | 9 |
| Legal Lot Number | 98 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20104 |
644 Jefferson Dr is owned and occupied by two individuals who bought it in May 2025.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 644 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 20, 2025 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 30, 2018 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2025 · Amount on File |
| Deed Sale | May 20, 2025 · Amount on File |
| Prior Sale | Nov 30, 2018 · Amount on File |
| Deed Document Number | 20251457 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 20, 2025 |
| Property Address | 644 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 0250001457 |
| Map Reference | DB 79 PG 91 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 250001457 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $305.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 644 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 0250001458 |
|---|---|
| Date | May 20, 2025 |
| Instrument | 250001458 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Nov 30, 2018 |
| Property Address | 644 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 0001803717 |
| Map Reference | PB 79 PG 91 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 1803717 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 0001803718 |
|---|---|
| Date | Nov 30, 2018 |
| Instrument | 1803718 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 644 Jefferson Dr was $2,120, up 0.7% from the year before.
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 | $280,800 (-) Land $30,000 Building $250,800 | $280,800 (-) Land $30,000 Building $250,800 | |
| 2025 | $2,120.00 (+0.66%) | $280,800 Land $30,000 Building $250,800 | $280,800 Land $30,000 Building $250,800 |
| 2024 | $2,106.00 | ||
| 2023 | $189,900 Land $30,000 Building $159,900 | $189,900 Land $30,000 Building $159,900 | |
| 2022 | $1,602.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 644 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 risk around 644 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.
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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