945 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 945 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 1972
Lot Size	0.21 acres (8,948 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Jun 2025)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	Jan 2006 Line of Credit May 2008 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 288`

Property Details

APN / Parcel Number

Primary APN	`18A 1 288`
Alternative APN	`3028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,770 sqft Living Area
1st Floor Area	1,770 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,948 sqft (0.21 acres)
Terrain	Rolling
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3028
Street Address	945 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000065 ASHLAWN-1 LOT 288 NONE
Legal Subdivision	EDGEWOOD
Legal Block	28
Legal Lot Number	288
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1023
Census Tract	20104

Owner

945 Jefferson Dr is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Mailing Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
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 31, 2006	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 28, 2008	Deed of Trust, Mortgage · ARM AMERIGROUP MORTGAGE CORP
Jul 21, 2008	Deed of Trust, Mortgage CHARTWAY FCU
Sep 30, 2008	Deed of Trust, Mortgage CRESCENT MORTGAGE CORPORATION
Jun 6, 2025	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jan 10, 2022	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Nov 3, 2008	Warranty Deed, Subdivision Related Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Apr 30, 2008	Warranty Deed, Transfer ONEILL MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2025 · Amount on File
Deed Sale	Jun 6, 2025 · Amount on File
Prior Sale	Jan 10, 2022 · Amount on File
Deed Document Number	20251685
Record Updated	Sep 20, 2026

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000669/848
Date	Jan 31, 2006
Book Page	669/848
Instrument	0562

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000766/894
Date	May 28, 2008
Book Page	766/894
Instrument	2469

Lender

Name	AMERIGROUP MORTGAGE CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2011
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year T-Bill
Margin	2
Max Rate	9.5%

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000771/811
Date	Jul 21, 2008
Book Page	771/811
Instrument	3434

Lender

Name	CHARTWAY FCU
Type	Credit Union
Address	VIRGINIA BEACH, VA 23462

Agreement

Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2013

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000776/362
Date	Sep 30, 2008
Book Page	776/362
Instrument	4402

Lender

Name	CRESCENT MORTGAGE CORPORATION
Type	Private Party

Agreement

Amount	Amount on Record

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2025
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Document Number	0250001685
Map Reference	DB 74 PG 494
Instrument Date	Jun 5, 2025
Instrument	250001685
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	MONTCLAIR TITLE, MONTICELLO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313

Mortgage

Document Number	0250001686
Date	Jun 6, 2025
Instrument	250001686

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 10, 2022
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Document Number	0220000065
Map Reference	DB 74 PG 494
Instrument Date	Dec 7, 2021
Instrument	220000065
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313

November 2008: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 3, 2008
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Document Number	000776/811
Book / Page	776 / 811
Map Reference	DD104 PG113-117
Instrument Date	Sep 4, 2008
Instrument	4486
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$186.50
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 in Common
Address	15 MOREWOOD PL, PALMYRA, VA 22963-2750

April 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 30, 2008
Property Address	945 JEFFERSON DR, PALMYRA, VA 22963-3313
Document Number	000764/182
Book / Page	764 / 182
Map Reference	DD104 PG113-117
Instrument Date	Apr 14, 2008
Instrument	1995
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	671 BERKMAR DR, CHARLOTTESVILLE, VA 22901-1464

Mortgage

Document Number	000764/185
Date	Apr 30, 2008
Book Page	764/185
Instrument	1996

Lender

Name	ONEILL MORTGAGE CORPORATION

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 945 Jefferson Dr was $1,922, up 0.6% 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		$254,700 (-) Land $35,000 Building $219,700	$254,700 (-) Land $35,000 Building $219,700
2025	$1,922.00 (+0.63%)	$254,700 Land $35,000 Building $219,700	$254,700 Land $35,000 Building $219,700
2024	$1,910.00
2023		$203,500 Land $35,000 Building $168,500	$203,500 Land $35,000 Building $168,500
2022	$1,717.00

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

Flood

FEMA maps place 945 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 945 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	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 79 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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