2207 Swallowtail Ln, Charlottesville, VA 22902 Property Records

Albemarle County property record for 2207 Swallowtail Ln, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,020 sqft · built 2023
Lot Size	0.032 acres (1,394 sqft)
Owner	Individual Name on File
Last Sale	$445,550 (Oct 2023)
Tax Bill	$1,997 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090J0-01-11-06600`

Property Details

APN / Parcel Number

Primary APN	`090J0-01-11-06600`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,020 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	1,394 sqft (0.032 acres)
Garage Area	400 sqft
Porch	Slab
Porch Area	30 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	2207 SWALLOWTAIL LN
City	CHARLOTTESVILLE
State	VA
Zip	22902-6631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHWOOD LOT 66 BLOCK 11
Legal Subdivision	SOUTHWOOD
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	2
Census Block	2012
Census Tract	11302

Owner

2207 Swallowtail Ln is owned and occupied by an individual who acquired it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2207 SWALLOWTAIL LN, CHARLOTTESVILLE, VA 22902-6631
Occupancy	Owner Occupied
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
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 17, 2023	Deed, Subdivision Related Transfer · Conventional Mortgage MEMBER OPTIONS LLC
Mar 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK OF THE CHESAPEAKE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Deed Document Number	20238877
Last Transfer Date	Jul 23, 2024
Transfer Doc	0000006529
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 17, 2026
Property Address	2207 SWALLOWTAIL LN, CHARLOTTESVILLE, VA 22902-6631
Document Number	0000003582
Instrument Date	Apr 13, 2026
Instrument	20263582
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 SWALLOWTAIL LN, CHARLOTTESVILLE, VA 22902-6631

Mortgage

Document Number	0000003582,
Date	Apr 17, 2026
Instrument	20263582

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 17, 2023
Property Address	2207 SWALLOWTAIL LN, CHARLOTTESVILLE, VA 22902
Document Number	202300008877
Map Reference	DOC 202200009605
Instrument Date	Oct 16, 2023
Instrument	202300008877
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 9, 2023
Title Company	HERITAGE TITLE AND APPRAISAL SERVICES, HERITAGE TITLE & STLMT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 SWALLOWTAIL LANE, CHARLOTTESVILLE, VA 22902

Mortgage

Document Number	202300008878
Date	Oct 17, 2023
Instrument	202300008878

Lender

Name	MEMBER OPTIONS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	10.7%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2207 SWALLOWTAIL LN, CHARLOTTESVILLE, VA 22902
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	HERITAGE TITLE COMPANY, HERITAGE TTL & STLMT SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300001610
Date	Mar 2, 2023
Instrument	202300001610

Lender

Name	COMMUNITY BANK OF THE CHESAPEAKE
Type	Bank
Address	WALDORF, MD 20601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2207 Swallowtail Ln was $1,997, down 49.2% 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	$1,997.00 (-49.2%)	$446,800 (+1.59%) Land $112,500 Building $334,300	$446,800 (+1.59%) Land $112,500 Building $334,300
2025	$3,931.00	$439,800 Land $107,500 Building $332,300	$439,800 Land $107,500 Building $332,300
2023		$103,000 Land $103,000	$103,000 Land $103,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2207 Swallowtail Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2207 Swallowtail 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 239 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
T-Mobile Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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