1973 Cottage Ln, Charlottesville, VA 22902 Property Records

Albemarle County property record for 1973 Cottage Ln, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 652 sqft · built 1984
Lot Size	29 acres (1,267,509 sqft)
Owner	Trust Name on File
Tax Bill	$10,049 (2026)
Deeds & Mortgages	Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09200-00-00-016A0`

Property Details

APN / Parcel Number

Primary APN	`09200-00-00-016A0`
Alternative APN	`37974`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	652 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cottage
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,267,509 sqft (29 acres)

Exterior Amenities

Porch	Slab
Porch Area	354 sqft
Deck Area	748 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	64 sqft
Storage Building	120 sqft
Total Buildings	5 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	1973 COTTAGE LN
City	CHARLOTTESVILLE
State	VA
Zip	22902-7576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE TRACT B & B1
Legal Tract	B
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	1
Census Block	1030
Census Tract	10402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monticello listed 1966 · 1 contributing resources · National Historic Landmark (designated 1960) · NRIS 66000826

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1973 Cottage Ln, a single family home, is held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	2124 WENTWORTH FARM, CHARLOTTESVILLE, VA 22902-7586
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1973 COTTAGE LN, CHARLOTTESVILLE, VA 22902-7576
Document Number	0000006778
Book / Page	004922 / 000737
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2017
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2124 WENTWORTH FARM CHARLOTTESVILLE VA 229027586, CHARLOTTESVILLE, VA 22902-7586

Mortgage

Document Number	0000006778
Date	Jun 16, 2017
Book Page	004922/000737
Instrument	6778

Lender

Name	BRANCH BK&TR
Type	Bank
Address	RICHMOND, VA 23219-4079

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1973 Cottage Ln was $10,049, up 3.4% 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	$10,049.00 (+3.37%)	$1,124,000 (+3.37%) Land $700,900 Building $423,100	$1,124,000 (+3.37%) Land $700,900 Building $423,100
2025	$9,721.00	$1,087,400 Land $686,300 Building $401,100	$1,087,400 Land $686,300 Building $401,100
2023	$8,802.00	$1,030,700 Land $672,500 Building $358,200	$1,030,700 Land $672,500 Building $358,200

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

Flood

FEMA maps place 1973 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

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	9 in force
Nearby Flood Claims	6 (1985–2013)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims

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 1973 Cottage Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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