769 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 769 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,076 sqft · built 2000
Lot Size	0.279 acres (12,153 sqft)
Owner	Individual Name on File
Last Sale	$413,000 (Aug 2024)
Tax Bill	$2,811 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 408`

Property Details

APN / Parcel Number

Primary APN	`18A 2 408`
Alternative APN	`7203`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,076 sqft Living Area
Gross Area	3,916 sqft
1st Floor Area	1,872 sqft
Bonus Room	Bonus Room
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,153 sqft (0.279 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	192 sqft
Balcony Area	44 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7203
Street Address	769 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240001986 SHADWELL-2 LOT 408 12,150 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	40
Legal Lot Number	408
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2000
Census Tract	20104

Owner

769 Jefferson Dr is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216
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
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Nov 14, 2019	Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2024 · Amount on File
Deed Sale	Aug 6, 2024 · Amount on File
Prior Sale	Nov 14, 2019 · Amount on File
Deed Document Number	20241986
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jun 11, 2026
Property Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216
Document Number	0000001750
Instrument Date	Nov 22, 2025
Instrument	20261750
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001750,
Date	Jun 11, 2026
Instrument	20261750

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.19%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	ALEXANDER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000006
Date	Jan 4, 2021
Instrument	210000006

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 14, 2019
Property Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216
Document Number	1903474
Map Reference	PB 76 PG 564
Instrument Date	Nov 6, 2019
Instrument	1903474
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 JEFFERSON DR, PALMYRA, VA 22963-3216

Mortgage

Document Number	1903475
Date	Nov 14, 2019
Instrument	1903475

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 769 Jefferson Dr was $2,811.

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		$372,400 (-) Land $30,000 Building $342,400	$372,400 (-) Land $30,000 Building $342,400
2025	$2,811.00	$372,400 Land $30,000 Building $342,400	$372,400 Land $30,000 Building $342,400
2023		$302,500 Land $30,000 Building $272,500	$302,500 Land $30,000 Building $272,500
2022	$2,553.00

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

Flood

FEMA maps place 769 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 769 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.

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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