1546 Delphi Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1546 Delphi Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,841 sqft · built 2019
Lot Size	0.112 acres (4,879 sqft)
Owner	Individual Name on File
Last Sale	$1,375 (Mar 2020)
Tax Bill	$7,941 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-07-04700`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-07-04700`
Alternative APN	`304428`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,841 sqft Finished Area
Basement Area	1,348 sqft
Finished Basement	1,027 sqft
Unfinished Basement	321 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	4,879 sqft (0.112 acres)
Garage Area	420 sqft

Exterior Amenities

Porch	Slab
Porch Area	165 sqft
Deck Area	548 sqft
Patio Area	87 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	1546 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 47 BLK 7
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2009
Census Tract	10501

Owner

1546 Delphi Ln is owned and occupied by an individual who bought it in March 2020.

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	Individual Name on File
Mailing Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BK
Jun 25, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN
Feb 15, 2019	Grant Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Jun 25, 2019 · Amount on File
Deed Document Number	20202591
Deed Book / Page	5285 / 480
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002019
Date	Mar 17, 2023
Instrument	202300002019

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Transaction Type	Mortgage
Record Updated	Apr 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002019
Date	Mar 17, 2023
Instrument	202300002019

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000006452
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	0000006452
Date	Jun 2, 2020
Book Page	005326/000121
Instrument	6452

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate	2.5%

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 25, 2019
Property Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000006424
Book / Page	005183 / 000144
Instrument Date	Jun 10, 2019
Instrument	6424
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 22, 2019
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 DELPHI LN CHARLOTTESVILLE VA 229113658, CHARLOTTESVILLE, VA 22911-3658

Mortgage

Document Number	6425
Date	Jun 25, 2019
Book Page	005183/000147
Instrument	6425

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 15, 2019
Property Address	1546 DELPHI LN, CHARLOTTESVILLE, VA 22911-3658
Document Number	0000001412
Book / Page	005137 / 000385
Instrument Date	Feb 7, 2019
Instrument	1412
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$136.63
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 1546 Delphi Ln was $7,941, up 1% 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	$7,941.00 (+1.03%)	$888,200 (+1.02%) Land $195,500 Building $692,700	$888,200 (+1.02%) Land $195,500 Building $692,700
2025	$7,860.00	$879,200 Land $207,000 Building $672,200	$879,200 Land $207,000 Building $672,200
2023	$6,315.00	$739,500 Land $170,200 Building $569,300	$739,500 Land $170,200 Building $569,300

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

Flood

FEMA maps place 1546 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 1546 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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