85 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 85 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1993
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jan 2022)
Tax Bill	$1,783 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2005 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 8`

Property Details

APN / Parcel Number

Primary APN	`18A 3 8`
Alternative APN	`246`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	680 sqft
Carport	Carport
Carport Area	680 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	246
Street Address	85 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000118 MONTPELIER-3 LOT 8 16,000 SF
Legal Subdivision	MONTPELIER
Legal Lot Number	8
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1021
Census Tract	20103

Owner

85 Jefferson Dr is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	85 JEFFERSON DR, PALMYRA, VA 22963-2022
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
Jan 12, 2022	Deed, Transfer · Conventional Mortgage NFM INC
Sep 30, 2005	Bargain and Sale Deed, Transfer · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	Sep 12, 2016 · Amount on File
Deed Document Number	2022118
Record Updated	Sep 20, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 12, 2022
Property Address	85 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	0220000118
Map Reference	DB 80 PG 36
Instrument Date	Jan 10, 2022
Instrument	220000118
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 JEFFERSON DR, PALMYRA, VA 22963-2022

Mortgage

Document Number	0220000119
Date	Jan 12, 2022
Instrument	220000119

Lender

Name	NFM INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

September 2005: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 30, 2005
Property Address	85 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	000654/560
Book / Page	654 / 560
Map Reference	DD80 PG36
Instrument Date	Sep 2, 2005
Instrument	6787
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 JEFFERSON DR, PALMYRA, VA 22963-2022

Mortgage

Document Number	000654/562
Date	Sep 30, 2005
Book Page	654/562
Instrument	6788

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Address	CHARLOTTESVILLE, VA 22903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2035

Interest

Rate	5.87%

Tax Assessment & Valuation

The 2025 property tax bill for 85 Jefferson Dr was $1,783.

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		$236,260 (-) Land $30,000 Building $206,260	$236,260 (-) Land $30,000 Building $206,260
2025	$1,783.00	$236,260 Land $30,000 Building $206,260	$236,260 Land $30,000 Building $206,260
2023		$164,600 Land $30,000 Building $134,600	$164,600 Land $30,000 Building $134,600
2022	$1,389.00

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

Flood

FEMA maps place 85 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 85 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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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