1098 Delphi Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1098 Delphi Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,219 sqft · built 2019
Lot Size	0.172 acres (7,492 sqft)
Owner	Company Name on File
Last Sale	$575,000 (Mar 2020)
Tax Bill	$8,388 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Aug 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-01-25900`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-01-25900`
Alternative APN	`275724`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,219 sqft Finished Area
Basement Area	1,108 sqft
Finished Basement	879 sqft
Unfinished Basement	226 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	7,492 sqft (0.172 acres)
Garage Area	431 sqft
Porch	Slab
Porch Area	317 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1098 DELPHI LN
City	CHARLOTTESVILLE
State	VA
Zip	22911-3649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NMD
Legal Description	CASCADIA BLOCK 1 LOT 259
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2015
Census Tract	10501

Owner

1098 Delphi Ln is owned by a company that bought it in March 2020.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Company Name on File
Mailing Address	1098 DELPHI LN, CHARLOTTESVILLE, VA 22911-3649
Owner Type	Company

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
Mar 31, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage TOWNE FIRST MTG
Aug 30, 2018	Grant Deed, Mortgage · Line of Credit UNION BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2020 · Amount on File
Deed Sale	Mar 31, 2020 · Amount on File
Prior Sale	Aug 30, 2018 · Amount on File
Deed Document Number	20203572
Deed Book / Page	5295 / 98
Record Updated	Sep 20, 2026

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 31, 2020
Property Address	1098 DELPHI LN, CHARLOTTESVILLE, VA 22911-3649
Document Number	0000003572
Book / Page	005295 / 000098
Instrument Date	Mar 24, 2020
Instrument	3572
Transaction Type	Subdivision Related Transfer
Record Updated	May 7, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1098 DELPHI LN CHARLOTTESVILLE VA 229113649, CHARLOTTESVILLE, VA 22911-3649

Mortgage

Document Number	3573
Date	Mar 31, 2020
Book Page	005295/000101
Instrument	3573

Lender

Name	TOWNE FIRST MTG
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

August 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 30, 2018
Property Address	1098 DELPHI LN, CHARLOTTESVILLE, VA 22911-3649
Document Number	0000009790
Book / Page	005090 / 000110
Instrument Date	Aug 22, 2018
Instrument	9790
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$138.75
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	170 S PANTOPS DR CHARLOTTESVILLE VA 229118672, CHARLOTTESVILLE, VA 22911-8672
Investor	Possibly a Property Investor

Mortgage

Document Number	9791
Date	Aug 30, 2018
Book Page	005090/000114
Instrument	9791

Lender

Name	UNION BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1098 Delphi Ln was $8,388, up 17.5% from the year before.

Source: Albemarle County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Albemarle County
Unified School District	Albemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,388.00 (+17.5%)	$938,300 (+17.49%) Land $170,000 Building $768,300	$938,300 (+17.49%) Land $170,000 Building $768,300
2025	$7,139.00	$798,600 Land $180,000 Building $618,600	$798,600 Land $180,000 Building $618,600
2023	$5,947.00	$696,400 Land $148,000 Building $548,400	$696,400 Land $148,000 Building $548,400

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

Flood

FEMA maps place 1098 Delphi Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · 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	7 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 1098 Delphi Ln 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	ACSA URBAN AREA serves 77,408 people · EPA ID VA2003053
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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