722 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 722 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 1999
Lot Size	0.318 acres (13,852 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Apr 2020)
Tax Bill	$1,926 (2025)
Deeds & Mortgages	Apr 2006 Mortgage Nov 2005 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 243`

Property Details

APN / Parcel Number

Primary APN	`18A 2 243`
Alternative APN	`9351`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,656 sqft
1st Floor Area	1,196 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.318 acres)
Terrain	Rolling
Porch	Slab
Porch Area	120 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9351
Street Address	722 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200001481 SHADWELL-2 LOT 243 13,842 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	24
Legal Lot Number	243
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2019
Census Tract	20104

Owner

722 Jefferson Dr is owned and occupied by an individual who acquired it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Apr 26, 2006	Deed of Trust, Mortgage · ARM PHH MORTGAGE SERVICES CORP
Nov 16, 2005	Deed of Trust, Mortgage · Conventional Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Apr 26, 2006	Deed of Trust, Mortgage · Balloon Mortgage PHH MORTGAGE SERVICES CORP
Feb 4, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Apr 30, 2020	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jul 10, 2017	Deed, Transfer · Conventional Mortgage DUPONT COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on File
Deed Sale	Apr 30, 2020 · Amount on File
Prior Sale	Jul 10, 2017 · Amount on File
Deed Document Number	20201481
Last Transfer Date	Jan 30, 2026
Transfer Doc	0000000301
Record Updated	Sep 20, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000680/181
Date	Apr 26, 2006
Book Page	680/181
Instrument	2340

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.41%
Type Change Date	May 1, 2011
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.4%
Index	1-Year LIBOR
Max Rate	11.4%

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000660/794
Date	Nov 16, 2005
Book Page	660/794
Instrument	7874

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2035

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000680/204
Date	Apr 26, 2006
Book Page	680/204
Instrument	2341

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2021

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Feb 4, 2026
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Document Number	0260000301
Map Reference	MB 76 PG 564-566
Instrument Date	Jan 30, 2026
Instrument	260000301
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	RED STONE TITLE AND ABSTRACT LLC, RED ROCK TITLE & STLMTS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206

Mortgage

Document Number	0260000302
Date	Feb 4, 2026
Instrument	260000302

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 30, 2020
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Document Number	0200001481
Map Reference	DB 76 PG 564
Instrument Date	Apr 9, 2020
Instrument	200001481
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206

Mortgage

Document Number	0200001482
Date	Apr 30, 2020
Instrument	200001482

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 10, 2017
Property Address	722 JEFFERSON DR, PALMYRA, VA 22963-3206
Document Number	0001702184
Map Reference	PB 680 PG 178
Instrument Date	Jun 12, 2017
Instrument	1702184
Transaction Type	Transfer
Record Updated	Jul 13, 2023

Transaction

Amount	Amount 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	722 JEFFERSON DR, PALMYRA, VA 22963-3206

Mortgage

Document Number	0001702185
Date	Jul 10, 2017
Instrument	1702185

Lender

Name	DUPONT COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 722 Jefferson Dr was $1,926, up 0.7% from the year before.

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		$255,100 (-) Land $30,000 Building $225,100	$255,100 (-) Land $30,000 Building $225,100
2025	$1,926.00 (+0.68%)	$255,100 Land $30,000 Building $225,100	$255,100 Land $30,000 Building $225,100
2024	$1,913.00
2023		$173,700 Land $30,000 Building $143,700	$173,700 Land $30,000 Building $143,700
2022	$1,466.00

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

Flood

FEMA maps place 722 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 722 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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