820 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 820 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,252 sqft · built 1989
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Last Sale	$324,130 (Apr 2026)
Tax Bill	$1,867 (2025)
Deeds & Mortgages	Nov 2005 Mortgage Nov 2006 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 39`

Property Details

APN / Parcel Number

Primary APN	`18A 2 39`
Alternative APN	`7245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,252 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	144 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	7245
Street Address	820 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	WB 77-458 SHADWELL-2 LOT 39 12,000 SF
Legal Subdivision	PHASE 2-SHADWELL LAKE MONTICELLO
Legal Block	3
Legal Lot Number	39
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1031
Census Tract	20104

Owner

820 Jefferson Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Fluvanna County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 7, 2005	Deed of Trust, Mortgage · ARM NOVASTAR HOME MORTGAGE INC
Nov 30, 2006	Deed of Trust, Mortgage · ARM BNC MORTGAGE INC
Apr 29, 2026	Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Apr 7, 2026	Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT
Sep 19, 2025	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Sep 19, 2025 · Amount on File
Deed Document Number	20261238
Prior Transfer Date	Apr 7, 2026
Prior Transfer Doc	0000000191
Record Updated	Oct 29, 2026

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000659/896
Date	Nov 7, 2005
Book Page	659/896
Instrument	7693

Lender

Name	NOVASTAR HOME MORTGAGE INC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	9.05%
Type Change Date	Nov 1, 2007
Change Frequency	6 Months
Min Rate At Change	9.05%
Max Rate At Change	12%
Index	6-Month LIBOR
Max Rate	16%

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000708/812
Date	Nov 30, 2006
Book Page	708/812
Instrument	7029

Lender

Name	BNC MORTGAGE INC
Type	Subprime Lender
Address	IRVINE, CA 92623

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.79%
Type Change Date	Nov 1, 2008
Change Frequency	6 Months
Min Rate At Change	8.79%
Max Rate At Change	11.7%
Index	6-Month LIBOR
Max Rate	15.7%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 29, 2026
Property Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Document Number	0000001238
Instrument Date	Apr 21, 2026
Instrument	20261238
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,737.13
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242

Mortgage

Document Number	0000001239,
Date	Apr 29, 2026
Instrument	20261239

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 7, 2026
Property Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Document Number	0000000191
Book / Page	79 / 199
Instrument Date	Apr 7, 2026
Instrument	2026191
Transaction Type	Foreclosure
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

September 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 19, 2025
Property Address	820 JEFFERSON DR, PALMYRA, VA 22963-3242
Document Number	0250002912
Map Reference	MB 76 PG 564
Instrument Date	Sep 18, 2025
Instrument	250002912
Transaction Type	Foreclosure
Record Updated	Oct 13, 2025

Transaction

Amount	Amount on Record
Tax	$247.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 WATKINS AVE APT 100, 100, SOUTH BOSTON, VA 24592-3718

Tax Assessment & Valuation

The 2025 property tax bill for 820 Jefferson Dr was $1,867, 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		$247,300 (-) Land $30,000 Building $217,300	$247,300 (-) Land $30,000 Building $217,300
2025	$1,867.00 (+0.7%)	$247,300 Land $30,000 Building $217,300	$247,300 Land $30,000 Building $217,300
2024	$1,854.00
2023		$168,200 Land $30,000 Building $138,200	$168,200 Land $30,000 Building $138,200
2022	$1,419.00

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

Flood

FEMA maps place 820 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 820 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 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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