705 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 705 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1976
Lot Size	0.588 acres (25,613 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2022)
Tax Bill	$2,529 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 2 363`

Property Details

APN / Parcel Number

Primary APN	`18A 2 363`
Alternative APN	`5641`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	3,638 sqft
1st Floor Area	1,610 sqft
Basement Area	805 sqft
Finished Basement	805 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,613 sqft (0.588 acres)
Terrain	Rolling
Porch	Porch
Porch Area	98 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5641
Street Address	705 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220002233 SHADWELL-2 LOT 363 25,600 SF
Legal Subdivision	PHASE 2 OF LAKE MONTICELLO
Legal Block	36
Legal Lot Number	363
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2000
Census Tract	20104

Owner

705 Jefferson Dr is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	705 JEFFERSON DR, PALMYRA, VA 22963-3214
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
Aug 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 17, 2022	Deed, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2022 · Amount on File
Deed Sale	Jun 17, 2022 · Amount on File
Prior Sale	Aug 28, 2015 · Amount on File
Deed Document Number	20222233
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	705 JEFFERSON DR, PALMYRA, VA 22963-3214
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250002630
Date	Aug 29, 2025
Instrument	250002630

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	242 Months
Due	Oct 1, 2045

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 17, 2022
Property Address	705 JEFFERSON DR, PALMYRA, VA 22963-3214
Document Number	0220002233
Map Reference	DB 278 PG 618
Instrument Date	Jun 17, 2022
Instrument	220002233
Transaction Type	Transfer
Record Updated	Jul 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 JEFFERSON DR, PALMYRA, VA 22963-3214

Mortgage

Document Number	0220002234
Date	Jun 17, 2022
Instrument	220002234

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 705 Jefferson Dr was $2,529.

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		$335,000 (-) Land $33,000 Building $302,000	$335,000 (-) Land $33,000 Building $302,000
2025	$2,529.00	$335,000 Land $33,000 Building $302,000	$335,000 Land $33,000 Building $302,000
2023		$254,200 Land $33,000 Building $221,200	$254,200 Land $33,000 Building $221,200
2022	$2,145.00

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

Flood

FEMA maps place 705 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

Wildfire risk around 705 Jefferson 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 153 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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