694 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 694 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 2011
Lot Size	0.315 acres (13,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jul 2026)
Tax Bill	$2,511 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 260`

Property Details

APN / Parcel Number

Primary APN	`18A 2 260`
Alternative APN	`8542`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
Gross Area	3,846 sqft
1st Floor Area	1,712 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,721 sqft (0.315 acres)
Terrain	Rolling
Porch	Slab
Porch Area	84 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	8542
Street Address	694 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000889 SHADWELL-2 LOT 260 13,723 SF
Legal Subdivision	SHADWELL LAKE MONTICELLO SUBDIVISION
Legal Block	26
Legal Lot Number	260
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

Owner

Source: Fluvanna County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Oct 20, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage STEARNS LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Mar 14, 2022 · Amount on Record
Deed Document Number	20262248
Record Updated	Oct 29, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 23, 2026
Property Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204
Document Number	0000002248
Instrument Date	Jul 23, 2026
Instrument	20262248
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$36,360.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204

Mortgage

Document Number	0000002249,
Date	Jul 23, 2026
Instrument	20262249

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

Mortgage

Document Number	0000002250,
Date	Jul 23, 2026
Instrument	20262250

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004934
Date	Sep 29, 2021
Instrument	210004934

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

October 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 20, 2020
Property Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204
Document Number	200004209
Map Reference	DB 76 PG 564
Instrument Date	Sep 4, 2020
Instrument	200004209
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 JEFFERSON DR, PALMYRA, VA 22963-3204

Mortgage

Document Number	200004210
Date	Oct 20, 2020
Instrument	200004210

Lender

Name	STEARNS LENDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$332,700 (-) Land $30,000 Building $302,700	$332,700 (-) Land $30,000 Building $302,700
2025	$2,511.00 (+0.64%)	$332,700 (+29.91%) Land $30,000 Building $302,700	$332,700 (+29.91%) Land $30,000 Building $302,700
2024	$2,495.00 (+15.46%)
2023		$256,100 Land $30,000 Building $226,100	$256,100 Land $30,000 Building $226,100
2022	$2,161.00

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

Flood

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

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.

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 248 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

Cell Coverage

5G and 4G LTE (outdoors only)

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