772 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 772 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,824 sqft · built 2005
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on Record
Last Sale	$172,750 (May 2023)
Tax Bill	$2,492 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2006 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 152`

Property Details

APN / Parcel Number

Primary APN	`18A 2 152`
Alternative APN	`10736`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	3,168 sqft
1st Floor Area	1,824 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,110 sqft (0.278 acres)
Terrain	Rolling
Driveway	Asphalt Driveway
Porch	Porch
Porch Area	176 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10736
Street Address	772 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001282 SHADWELL-2 LOT 152 12,120 SF
Legal Subdivision	SHADWELL
Legal Block	15
Legal Lot Number	152
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2019
Census Tract	20104

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage FLUVANNA LOUISA HOUSING FOUNDATION
May 12, 2006	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
May 12, 2023	Deed, Transfer · USDA Mortgage USDA
Jul 24, 2020	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Dec 21, 2018	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Jul 24, 2020 · Amount on Record
Deed Document Number	20231282
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250002651
Date	Sep 2, 2025
Instrument	250002651

Lender

Name	FLUVANNA LOUISA HOUSING FOUNDATION
Type	Government Agency
Address	LOUISA, VA 23093

Agreement

Amount	Amount Recorded

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000682/664
Date	May 12, 2006
Book Page	682/664
Instrument	2741

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	RICHMOND, VA 23227

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jun 1, 2013
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.6%
Index	1-Year LIBOR
Max Rate	11.6%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 12, 2023
Property Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Document Number	0230001282
Map Reference	DB 76 PG 564
Instrument Date	Apr 24, 2023
Instrument	230001282
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	UNKNOWN, OBSIDIAN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210

Mortgage

Document Number	0230001283
Date	May 12, 2023
Instrument	230001283

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	May 12, 2061

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 24, 2020
Property Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Document Number	200002731
Map Reference	DB 76 PG 564
Instrument Date	Jul 14, 2020
Instrument	200002731
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$226.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 21, 2018
Property Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210
Document Number	1803952
Map Reference	PB 76 PG 564
Instrument Date	Dec 11, 2018
Instrument	1803952
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 JEFFERSON DR, PALMYRA, VA 22963-3210

Mortgage

Document Number	1803953
Date	Dec 21, 2018
Instrument	1803953

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$330,100 (-) Land $30,000 Building $300,100	$330,100 (-) Land $30,000 Building $300,100
2025	$2,492.00 (+0.69%)	$330,100 (+26.82%) Land $30,000 Building $300,100	$330,100 (+26.82%) Land $30,000 Building $300,100
2024	$2,475.00 (+12.7%)
2023		$260,300 Land $30,000 Building $230,300	$260,300 Land $30,000 Building $230,300
2022	$2,196.00

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 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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