1540 Delphi Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1540 Delphi Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,759 sqft · built 2019
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on File
Last Sale	$585,934 (Dec 2018)
Tax Bill	$8,102 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-07-04600`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-07-04600`
Alternative APN	`304427`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,759 sqft Finished Area
Basement Area	1,322 sqft
Finished Basement	786 sqft
Unfinished Basement	536 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	4,530 sqft (0.104 acres)
Garage Area	420 sqft

Exterior Amenities

Porch	Slab
Porch Area	167 sqft
Deck Area	558 sqft
Patio Area	582 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1540 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 46 BLK 7
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2009
Census Tract	10501

Owner

1540 Delphi Ln is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
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
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit BLUE RIDGE BANK
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Feb 4, 2019	Grant Deed, Transfer ATTORNEY ONLY
Dec 21, 2018	Grant Deed, Subdivision Related Transfer SUNTRUST BK
Sep 25, 2018	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Deed Document Number	201813878
Deed Book / Page	5124 / 468
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	202200007781
Date	Jun 27, 2022
Instrument	202200007781

Lender

Name	BLUE RIDGE BANK
Type	Bank
Address	LURAY, VA 22835

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5581/608
Date	Jul 28, 2021
Book Page	5581/608
Instrument	2021-00013088

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 4, 2019
Property Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000001050
Book / Page	005134 / 000707
Instrument Date	Jan 17, 2019
Instrument	1050
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.50
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1540 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 21, 2018
Property Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000013878
Book / Page	005124 / 000468
Instrument Date	Dec 4, 2018
Instrument	13878
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 18, 2019
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	$585.93
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	1540 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	13879
Date	Dec 21, 2018
Book Page	005124/000471
Instrument	13879

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.97%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 25, 2018
Property Address	1540 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000010749
Book / Page	005098 / 000240
Instrument Date	Sep 20, 2018
Instrument	10749
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$133.94
Amount Accuracy	Confirmed
Additional	Arm's Length

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 1540 Delphi Ln was $8,102, up 1.5% 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	$8,102.00 (+1.52%)	$906,300 (+1.51%) Land $212,500 Building $693,800	$906,300 (+1.51%) Land $212,500 Building $693,800
2025	$7,981.00	$892,800 Land $225,000 Building $667,800	$892,800 Land $225,000 Building $667,800
2023	$6,613.00	$774,400 Land $185,000 Building $589,400	$774,400 Land $185,000 Building $589,400

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

Flood

FEMA maps place 1540 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 1540 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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