1517 Delphi Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1517 Delphi Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,485 sqft · built 2018
Lot Size	0.074 acres (3,223 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (May 2026)
Tax Bill	$4,963 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-07-11200`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-07-11200`
Alternative APN	`304447`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,485 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Construction Type	Wood
Roof Material	Wood
Lot Area	3,223 sqft (0.074 acres)
Garage Type	Detached
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	100 sqft
Patio Area	200 sqft
Balcony Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1517 DELPHI LN
City	CHARLOTTESVILLE
State	VA
Zip	22911-3658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NMD
Legal Description	CASCADIA LOT 112 BLK 7
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2014
Census Tract	10501

Owner

1517 Delphi Ln is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
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
May 6, 2026	Deed, Transfer · Conventional Mortgage FARMERS AND MERCHANTS BANK
Dec 31, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Nov 15, 2018	Grant Deed, Subdivision Related Transfer NVR MTG
Jun 26, 2018	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	May 29, 2025 · Amount on File
Deed Document Number	20264347
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 6, 2026
Property Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000004347
Instrument Date	Apr 22, 2026
Instrument	2026.4347
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55,045.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	0000004348,
Date	May 6, 2026
Instrument	2026.4348

Lender

Name	FARMERS AND MERCHANTS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000000232
Instrument Date	Dec 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1517 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	0000000232
Date	Jan 6, 2021
Book Page	005456/000456
Instrument	232

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jan 5, 2041

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 15, 2018
Property Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000012681
Book / Page	005114 / 000076
Instrument Date	Nov 5, 2018
Instrument	12681
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2018
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$394.77
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	1517 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	12682
Date	Nov 15, 2018
Book Page	005114/000079
Instrument	12682

Lender

Name	NVR MTG
Type	Mortgage Company
Address	CANONS BURG, PA 15317

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 26, 2018
Property Address	1517 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000007013
Book / Page	005064 / 000260
Instrument Date	Jun 21, 2018
Instrument	7013
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Tax	$515.10
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1885 SEMINOLE TRL #201 CHARLOTTESVILLE VA 229011160, 201, CHARLOTTESVILLE, VA 22901-1160
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1517 Delphi Ln was $4,963, up 12.5% 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	$4,963.00 (+12.46%)	$555,200 (+12.46%) Land $135,300 Building $419,900	$555,200 (+12.46%) Land $135,300 Building $419,900
2025	$4,413.00	$493,700 Land $124,300 Building $369,400	$493,700 Land $124,300 Building $369,400
2023	$4,149.00	$485,900 Land $134,200 Building $351,700	$485,900 Land $134,200 Building $351,700

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

Flood

FEMA maps place 1517 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 1517 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 321 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

May also be available: Brightspeed, T-Mobile, Verizon.

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