Fluvanna County property record for 648 Jefferson Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,664 sqft · built 1995 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,500 (Dec 2018) |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 2 325 |
| Primary APN | 18A 2 325 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| Gross Area | 2,664 sqft |
| 1st Floor Area | 1,664 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Terrain | Rolling |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1693 |
|---|---|
| Street Address | 648 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 180003946 SHADWELL-2 LOT 325 12,000 SF |
| Legal Subdivision | SHADWELL |
| Legal Block | 32 |
| Legal Lot Number | 325 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20104 |
648 Jefferson Dr is owned and occupied by an individual who bought it in December 2018.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| 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.
| Date | Document |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU |
| Mar 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 21, 2018 | Bargain and Sale Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on File |
| Deed Sale | Dec 21, 2018 · Amount on File |
| Prior Sale | May 20, 2010 · Amount on File |
| Deed Document Number | 20183946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | ATG |
| Name | Verified Name |
|---|---|
| Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 0260000515 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 260000515 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0230000582 |
|---|---|
| Date | Mar 9, 2023 |
| Instrument | 230000582 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 200003995 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 200003995 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Dec 21, 2018 |
| Property Address | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 1803946 |
| Map Reference | PB 76 PG 563 |
| Instrument Date | Nov 27, 2018 |
| Instrument | 1803946 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 648 JEFFERSON DR, PALMYRA, VA 22963-3201 |
| Document Number | 1803947 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 1803947 |
| Name | WATERSTONE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 648 Jefferson Dr was $2,016.
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 | $267,100 (-) Land $30,000 Building $237,100 | $267,100 (-) Land $30,000 Building $237,100 | |
| 2025 | $2,016.00 | $267,100 Land $30,000 Building $237,100 | $267,100 Land $30,000 Building $237,100 |
| 2023 | $210,700 Land $30,000 Building $180,700 | $210,700 Land $30,000 Building $180,700 | |
| 2022 | $1,778.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 648 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 648 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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