788 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 788 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,718 sqft · built 1996
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Company Names on File
Last Sale	$45,000 (Jun 2015)
Tax Bill	$6,115 (2025)
Deeds & Mortgages	Feb 2025 Line of Credit Apr 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18A 2 129`

Property Details

APN / Parcel Number

Primary APN	`18A 2 129`
Alternative APN	`2538`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,718 sqft Living Area
Gross Area	7,256 sqft
1st Floor Area	2,718 sqft
Basement Area	1,812 sqft
Finished Basement	1,812 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	92 sqft
Deck Area	576 sqft
Patio Area	576 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2538
Street Address	788 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250000975 SHADWELL-2 LOT 129 15,080 SF
Legal Subdivision	PHASE 2 SHADWELL, LAKE MONTICELL
Legal Block	12
Legal Lot Number	129
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
Census Tract	20104

Owner

788 Jefferson Dr is owned by a company that acquired it in April 2025.

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

Owner of Record	2 Company Names on File
Mailing Address	788 JEFFERSON DR, PALMYRA, VA 22963-3238
Owner Type	Company
Vesting	Life Tenant

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
Feb 13, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Apr 3, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2015 · Amount on File
Deed Sale	Jun 4, 2015 · Amount on File
Deed Document Number	20151668
Last Transfer Date	Apr 3, 2025
Transfer Doc	0000000975
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	788 JEFFERSON DR, PALMYRA, VA 22963-3238
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250000382
Date	Feb 13, 2025
Instrument	250000382

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2055

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Apr 3, 2025
Property Address	788 JEFFERSON DR, PALMYRA, VA 22963-3238
Document Number	0250000975
Map Reference	DB 76 PG 564
Instrument Date	Apr 3, 2025
Instrument	250000975
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	788 JEFFERSON DR, PALMYRA, VA 22963-3238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	788 JEFFERSON DR, PALMYRA, VA 22963-3238

Tax Assessment & Valuation

The 2025 property tax bill for 788 Jefferson Dr was $6,115, 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		$810,000 (-) Land $170,000 Building $640,000	$810,000 (-) Land $170,000 Building $640,000
2025	$6,115.00 (+0.66%)	$810,000 Land $170,000 Building $640,000	$810,000 Land $170,000 Building $640,000
2024	$6,075.00
2023		$643,200 Land $170,000 Building $473,200	$643,200 Land $170,000 Building $473,200
2022	$5,428.00

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

Flood

FEMA maps place 788 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	3 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 788 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 193 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

Cell Coverage

5G (outdoors only) and 4G LTE

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