189 Main St, Lovingston, VA 22949 Property Records

Nelson County property record for 189 Main St, Lovingston, VA 22949

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1935
Lot Size	1.13 acres (4,958 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Jun 2022)
Tax Bill	$617 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58B 3 1B`

Property Details

APN / Parcel Number

Primary APN	`58B 3 1B`
Alternative APN	`11049`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,200 sqft Finished Area
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Metal
Lot Area	4,958 sqft (1.13 acres)
Lot Dimensions	74 ft deep x 67 ft wide
Garage Type	Detached
Porch	Slab
Porch Area	148 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	11049
Street Address	189 MAIN ST
City	LOVINGSTON
State	VA
Zip	22949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC
Legal Description	LOVINGSTON
Legal Subdivision	TOWN OF LOVINGSTON
Jurisdiction	NELSON VA
Township / Civil Division	EAST
Census Block Group	1
Census Block	1029
Census Tract	950102

Owner

189 Main St is owned by an individual who bought it in June 2022.

Source: Nelson County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 611, LOVINGSTON, VA 22949-0611
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 17, 2022	Deed, Transfer · Stand-Alone First Mortgage NOVUS HOME MORTGAGE
Dec 15, 2008	Deed, Transfer · Stand-Alone First Mortgage MILDRED S EPPS ETAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on File
Deed Sale	Jun 17, 2022 · Amount on File
Prior Sale	Dec 17, 2009 · Amount on File
Deed Document Number	20221695
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Jun 17, 2022
Property Address	189 MAIN ST, LOVINGSTON, VA 22949
Document Number	0202201695
Instrument Date	Jun 17, 2022
Instrument	202201695
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MAIN ST, LOVINGSTON, VA 22949

Mortgage

Document Number	0202201696
Date	Jun 17, 2022
Instrument	202201696

Lender

Name	NOVUS HOME MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Dec 15, 2008
Property Address	189 MAIN ST, LOVINGSTON, VA 22949
Document Number	0080004077
Instrument Date	Nov 26, 2008
Instrument	080004077
Transaction Type	Transfer
Record Updated	Apr 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 REGENT ST APT 1, 1, HAMPTON, VA 23669-5324
Mail Care Of	SARAH ANN MOTLEY

Mortgage

Document Number	0080004078
Date	Dec 15, 2008
Instrument	080004078

Lender

Name	MILDRED S EPPS ETAL
Type	Private Party
Address	800 ROSEMONT RD, RICHMOND, VA 23224

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 189 Main St was $617.

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Nelson County
Unified School District	Nelson County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$617.00	$110,200 (+18.11%) Land $16,100 Building $94,100	$110,200 (+18.11%) Land $16,100 Building $94,100
2025		$93,300 Land $14,100 Building $79,200	$93,300 Land $14,100 Building $79,200
2023	$606.00	$93,300 Land $14,100 Building $79,200	$93,300 Land $14,100 Building $79,200

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

Flood

FEMA maps place 189 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 4, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 189 Main St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Nelson County Cablevision Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: RiverStreet Networks.

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