1545 Elgin Ct, Keswick, VA 22947 Property Records

Albemarle County property record for 1545 Elgin Ct, Keswick, VA 22947

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,010 sqft · built 1994
Lot Size	0.607 acres (26,441 sqft)
Owner	2 Trust Names on File
Last Sale	$835,000 (Nov 2022)
Tax Bill	$10,233 (2026)
Deeds & Mortgages	Nov 2022 Sale Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093A3-00-0C-00400`

Property Details

APN / Parcel Number

Primary APN	`093A3-00-0C-00400`
Alternative APN	`38652`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,010 sqft Finished Area
Basement Area	2,007 sqft
Finished Basement	2,007 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2020
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood
Lot Area	26,441 sqft (0.607 acres)
Garage Area	616 sqft

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	614 sqft
Patio Area	201 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	1545 ELGIN CT
City	KESWICK
State	VA
Zip	22947-9113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	GLENMORE SEC C LOT 4 PH I
Legal Subdivision	GLENMORE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	3
Census Block	3001
Census Tract	10402

Owner

1545 Elgin Ct is owner-occupied and held in a trust since November 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	1545 ELGIN CT, KESWICK, VA 22947-9113
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Deed, Transfer OLD REPUBLIC NATL TTL INS CO
Mar 6, 2020	Grant Deed, Transfer · Conventional Mortgage ATLANTIC COAST MTG
Apr 4, 2017	Grant Deed, Transfer · Conventional Mortgage PRESIDENTIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Mar 6, 2020 · Amount on File
Deed Document Number	202212720
Prior Transfer Date	May 12, 2005
Prior Transfer Doc	2976/558
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 9, 2022
Property Address	1545 ELGIN CT, KESWICK, VA 22947-9113
Document Number	202200012720
Map Reference	MB 1224 PG 447
Instrument Date	Nov 3, 2022
Instrument	202200012720
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1545 ELGIN CT, KESWICK, VA 22947-9113

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 6, 2020
Property Address	1545 ELGIN CT, KESWICK, VA 22947-9113
Document Number	0000002548
Book / Page	005285 / 000150
Instrument Date	Feb 26, 2020
Instrument	2548
Transaction Type	Transfer
Record Updated	Apr 21, 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	$685.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 ELGIN CT KESWICK VA 229479113, KESWICK, VA 22947-9113

Mortgage

Document Number	2550
Date	Mar 6, 2020
Book Page	005285/000158
Instrument	2550

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 4, 2017
Property Address	1545 ELGIN CT, KESWICK, VA 22947-9113
Document Number	0000003790
Book / Page	004893 / 000485
Instrument Date	Apr 3, 2017
Instrument	3790
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
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	1545 ELGIN CT KESWICK VA 229479113, KESWICK, VA 22947-9113

Mortgage

Document Number	3791
Date	Apr 4, 2017
Book Page	004893/000489
Instrument	3791

Lender

Name	PRESIDENTIAL BK
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2047

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2026 property tax bill for 1545 Elgin Ct was $10,233, up 14.8% 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	$10,233.00 (+14.8%)	$1,144,600 (+14.79%) Land $225,000 Building $919,600	$1,144,600 (+14.79%) Land $225,000 Building $919,600
2025	$8,914.00	$997,100 Land $215,000 Building $782,100	$997,100 Land $215,000 Building $782,100
2023	$7,124.00	$834,300 Land $215,000 Building $619,300	$834,300 Land $215,000 Building $619,300

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

Flood

FEMA maps place 1545 Elgin Ct 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 1545 Elgin Ct is low, with a 0.02% 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	0.02% 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	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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Brightspeed Fiber	940 / 940

Cell Coverage

5G (outdoors only) and 4G LTE

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