97 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 97 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1999
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$272,000 (May 2023)
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Nov 2006 Mortgage Jun 2006 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 14`

Property Details

APN / Parcel Number

Primary APN	`18A 3 14`
Alternative APN	`588`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,344 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
Porch	Slab
Porch Area	288 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	588
Street Address	97 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 230001200 MONTPELIER-3 LOT 14 16,000 SF
Legal Subdivision	MONTPELIER
Legal Block	1
Legal Lot Number	14
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1021
Census Tract	20103

Owner

97 Jefferson Dr is owned and occupied by an individual who acquired it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	97 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
Nov 6, 2006	Deed of Trust, Mortgage · ARM OHIO SAVINGS BANK FSB
Jun 5, 2006	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SVINGS BANK
Feb 19, 2015	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jul 9, 2013	Deed of Trust, Mortgage · VA Mortgage AMERIGROUP MORTGAGE CORP
Aug 3, 2011	Deed of Trust, Mortgage · VA Mortgage AMERIGROUP MORTGAGE CORP
Apr 30, 2026	Gift Deed, Transfer · Conventional Mortgage WELLSFARGOBANKNA
May 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Sep 24, 2018	Intrafamily Transfer, Transfer
Sep 12, 2018	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Oct 29, 2010	Deed, Transfer · VA Mortgage PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Prior Sale	Sep 12, 2018 · Amount on File
Deed Document Number	20231200
Last Transfer Date	Apr 17, 2026
Transfer Doc	0000001271
Record Updated	Oct 29, 2026

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000706/228
Date	Nov 6, 2006
Book Page	706/228
Instrument	6597

Lender

Name	OHIO SAVINGS BANK FSB
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Nov 1, 2011
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	13.2%
Index	1-Year LIBOR
Max Rate	13.2%

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000686/021
Date	Jun 5, 2006
Book Page	686/021
Instrument	3202

Lender

Name	FEDERAL SVINGS BANK
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2036

Interest

Rate	7.12%

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001500429
Date	Feb 19, 2015
Instrument	1500429

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2045

Interest

Rate Type	Adjustable Rate
Rate	3.25%

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	NATIONAL TITLE NE, NATIONAL TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000899/560
Date	Jul 9, 2013
Book Page	899/560
Instrument	1302816

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate
Rate	2%
Type Change Date	Oct 1, 2016
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	3%
Index	1-Year CMT
Margin	2
Max Rate	7%

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	NATIONAL TITLE NTWK INC, NATIONAL TITLE NETWORK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000847/387
Date	Aug 3, 2011
Book Page	847/387
Instrument	1102385

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3%
Type Change Date	Oct 1, 2014
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4%
Index	1-Year T-Bill
Margin	2
Max Rate	8%

April 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 30, 2026
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	0000001271
Instrument Date	Apr 17, 2026
Instrument	20261271
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OMA TITLE, DOMA TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022

Mortgage

Document Number	0000001272,
Date	Apr 30, 2026
Instrument	20261272

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001201
Date	May 3, 2023
Instrument	230001201

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

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

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Sep 24, 2018
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	1802954
Instrument Date	Sep 14, 2018
Instrument	1802954
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 HARBOUR GATES DR, ANNAPOLIS, MD 21401-2144

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 12, 2018
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	1802814
Map Reference	PB 80 PG 37
Instrument Date	Sep 5, 2018
Instrument	1802814
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022

Mortgage

Document Number	1802815
Date	Sep 12, 2018
Instrument	1802815

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 29, 2010
Property Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022
Document Number	000829/252
Book / Page	829 / 252
Map Reference	DD80 PG37
Instrument Date	Oct 4, 2010
Instrument	1003699
Transaction Type	Transfer
Record Updated	Oct 25, 2024
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.50
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 by the Entirety
Address	97 JEFFERSON DR, PALMYRA, VA 22963-2022

Mortgage

Document Number	0001003700
Date	Oct 29, 2010
Instrument	1003700

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2040

Interest

Rate	4.73%

Tax Assessment & Valuation

The 2025 property tax bill for 97 Jefferson Dr was $1,833, 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		$242,900 (-) Land $30,000 Building $212,900	$242,900 (-) Land $30,000 Building $212,900
2025	$1,833.00 (+0.66%)	$242,900 Land $30,000 Building $212,900	$242,900 Land $30,000 Building $212,900
2024	$1,821.00
2023		$192,800 Land $30,000 Building $162,800	$192,800 Land $30,000 Building $162,800
2022	$1,627.00

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

Flood

FEMA maps place 97 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 97 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)

Nearby Properties on Jefferson Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures