802 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 802 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,424 sqft · built 2004
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Jan 2026)
Tax Bill	$3,706 (2025)
Deeds & Mortgages	Dec 2006 Line of Credit Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 122`

Property Details

APN / Parcel Number

Primary APN	`18A 2 122`
Alternative APN	`9357`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,424 sqft Living Area
Gross Area	4,948 sqft
1st Floor Area	1,632 sqft
Basement Area	1,248 sqft
Finished Basement	1,248 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,676 sqft (0.291 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	540 sqft
Deck Area	16 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9357
Street Address	802 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001607 SHADWELL-2 LOT 122 12,666 SF
Legal Subdivision	SHADWELL
Legal Block	12
Legal Lot Number	122
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
Census Tract	20104

Owner

802 Jefferson Dr is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 6, 2006	Deed of Trust, Mortgage · Line of Credit UNION BANK & TRUST CO
Jan 15, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Jun 15, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on File
Deed Sale	Jan 15, 2026 · Amount on File
Prior Sale	Jun 15, 2023 · Amount on File
Deed Document Number	2026145
Record Updated	Sep 20, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000709/630
Date	Dec 6, 2006
Book Page	709/630
Instrument	7148

Lender

Name	UNION BANK & TRUST CO
Type	Bank
Address	PALMYRA, VA 22963

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 5, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 15, 2026
Property Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240
Document Number	0260000145
Instrument Date	Jan 12, 2026
Instrument	260000145
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.00
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	802 JEFFERSON DR, PALMYRA, VA 22963-3240

Mortgage

Document Number	0260000146
Date	Jan 15, 2026
Instrument	260000146

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001619
Date	Jun 16, 2023
Instrument	230001619

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 12, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

June 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 15, 2023
Property Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240
Document Number	0230001607
Map Reference	DB 76 PG 564
Instrument Date	May 2, 2023
Instrument	230001607
Transaction Type	Transfer
Record Updated	Jul 1, 2025

Transaction

Amount	Amount on Record
Tax	$466.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 JEFFERSON DR, PALMYRA, VA 22963-3240

Mortgage

Document Number	0230001608
Date	Jun 15, 2023
Instrument	230001608

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

Mortgage

Document Number	0230001619
Date	Jun 16, 2023
Instrument	230001619

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 12, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 802 Jefferson Dr was $3,706, 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		$490,900 (-) Land $35,000 Building $455,900	$490,900 (-) Land $35,000 Building $455,900
2025	$3,706.00 (+0.68%)	$490,900 Land $35,000 Building $455,900	$490,900 Land $35,000 Building $455,900
2024	$3,681.00
2023		$390,400 Land $35,000 Building $355,400	$390,400 Land $35,000 Building $355,400
2022	$3,294.00

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

Flood

FEMA maps place 802 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 802 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 308 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

May also be available: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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