1543 Delphi Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1543 Delphi Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,850 sqft · built 2019
Lot Size	0.066 acres (2,875 sqft)
Owner	2 Individual Names on File
Last Sale	$452,000 (Oct 2025)
Tax Bill	$4,032 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale & Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-07-10400`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-07-10400`
Alternative APN	`304439`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,850 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	2,875 sqft (0.066 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Slab
Porch Area	45 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1543 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 104 BLK 7
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2014
Census Tract	10501

Owner

1543 Delphi Ln is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Oct 20, 2025	Deed, Transfer · Construction Mortgage NOVUS HOME MORTGAGE
Jun 4, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage RESIDENTIAL MTG SVC
Feb 26, 2019	Grant Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO
Apr 4, 2019	Correction Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO
Mar 28, 2018	Loan Modification, Mortgage NVR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Jun 4, 2019 · Amount on File
Deed Document Number	20259786
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	005488/196
Date	Mar 1, 2021
Book Page	5488/196
Instrument	2021-00003484

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 20, 2025
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	202500009786
Map Reference	MB 4978 PG 251-258
Instrument Date	Sep 22, 2025
Instrument	202500009786
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	202500009787
Date	Oct 20, 2025
Instrument	202500009787

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 4, 2019
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000005467
Book / Page	005174 / 000195
Instrument Date	May 28, 2019
Instrument	5467
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 26, 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	$342.10
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	1543 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	5468
Date	Jun 4, 2019
Book Page	005174/000198
Instrument	5468

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 26, 2019
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000001687
Book / Page	005139 / 000474
Instrument Date	Feb 21, 2019
Instrument	1687
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$556.63
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

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 4, 2019
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000003019
Book / Page	005151 / 000643
Instrument Date	Feb 21, 2019
Instrument	3019
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$556.63
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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	1543 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000003951
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000003951
Date	Apr 17, 2018
Book Page	005035/000268
Instrument	3951

Lender

Name	NVR
Address	RESTON, VA 20190

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1543 Delphi Ln was $4,032, up 9.6% 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	$4,032.00 (+9.62%)	$451,000 (+9.6%) Land $135,300 Building $315,700	$451,000 (+9.6%) Land $135,300 Building $315,700
2025	$3,678.00	$411,500 Land $124,300 Building $287,200	$411,500 Land $124,300 Building $287,200
2023	$3,531.00	$413,500 Land $134,200 Building $279,300	$413,500 Land $134,200 Building $279,300

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

Flood

FEMA maps place 1543 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 1543 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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