198 Paynes Ln, Charlottesville, VA 22902 Property Records

Albemarle County property record for 198 Paynes Ln, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 576 sqft · built 1988
Lot Size	2.49 acres (108,464 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Jul 2018)
Tax Bill	$2,021 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10300-00-00-014B0`

Property Details

APN / Parcel Number

Primary APN	`10300-00-00-014B0`
Alternative APN	`40610`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Finished Area
Flooring	Carpet

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	108,464 sqft (2.49 acres)
Garage Type	Detached
Garage Area	768 sqft

Exterior Amenities

Porch	Slab
Porch Area	98 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	288 sqft
Storage Building	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	198 PAYNES LN
City	CHARLOTTESVILLE
State	VA
Zip	22902-7868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE 3
Legal Subdivision	B AUBREY HUFFMAN & ASSOCIATES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	3
Census Block	3044
Census Tract	11301

Historic Designation

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

Historic District	Within the Southern Albemarle Rural Historic District listed 2007 · 1,869 contributing resources · NRIS 07001236

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

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	198 PAYNES LN, CHARLOTTESVILLE, VA 22902-7868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPTIAL CENTER LLC
May 1, 2019	Deed of Trust, Mortgage CAPITAL CTR
Jul 10, 2018	Grant Deed, Transfer · Conventional with PMI CAPITAL CTR
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	20187620
Deed Book / Page	5070 / 160
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	198 PAYNES LN, CHARLOTTESVILLE, VA 22902-7868
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5516/716
Date	Apr 9, 2021
Book Page	5516/716
Instrument	2021-00006286

Lender

Name	CAPTIAL CENTER LLC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	198 PAYNES LN, CHARLOTTESVILLE, VA 22902-7868
Document Number	0000004171
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PAYNES LN CHARLOTTESVILLE VA 229027868, CHARLOTTESVILLE, VA 22902-7868

Mortgage

Document Number	0000004171
Date	May 3, 2019
Book Page	005162/000081
Instrument	4171

Lender

Name	CAPITAL CTR
Type	Funding / Finance Company
Address	GLEN ALLEN, VA 23060

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 2, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 10, 2018
Property Address	198 PAYNES LN, CHARLOTTESVILLE, VA 22902-7868
Document Number	0000007620
Book / Page	005070 / 000160
Instrument Date	Jun 8, 2018
Instrument	7620
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PAYNES LN CHARLOTTESVILLE VA 229027868, CHARLOTTESVILLE, VA 22902-7868

Mortgage

Document Number	7621
Date	Jul 10, 2018
Book Page	005070/000164
Instrument	7621

Lender

Name	CAPITAL CTR
Type	Funding / Finance Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	198 PAYNES LN, CHARLOTTESVILLE, VA 22902-7868
Document Number	0000003960
Book / Page	004895 / 000023
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Jun 23, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PAYNES LN CHARLOTTESVILLE VA 229027868, CHARLOTTESVILLE, VA 22902-7868

Mortgage

Document Number	0000003960
Date	Apr 10, 2017
Book Page	004895/000023
Instrument	3960

Lender

Name	UNIVERSITY/VA CMNTY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,021.00 (+7.1%)	$226,100 (+7.11%) Land $75,400 Building $150,700	$226,100 (+7.11%) Land $75,400 Building $150,700
2025	$1,887.00 (+13.4%)	$211,100 (+8.31%) Land $75,400 Building $135,700	$211,100 (+8.31%) Land $75,400 Building $135,700
2023	$1,664.00	$194,900 Land $62,600 Building $132,300	$194,900 Land $62,600 Building $132,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	0.03% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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