2905 McLane Rd, Charlottesville, VA 22911 Property Records

Albemarle County property record for 2905 McLane Rd, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,072 sqft · built 1988
Lot Size	2.34 acres (102,148 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Jul 2021)
Tax Bill	$4,694 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02100-00-00-034A0`

Property Details

APN / Parcel Number

Primary APN	`02100-00-00-034A0`
Alternative APN	`3391`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,072 sqft Finished Area
Family Room	Family Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2017
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	102,148 sqft (2.34 acres)
Garage Area	539 sqft

Exterior Amenities

Porch	Slab
Porch Area	537 sqft
Deck Area	220 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2905 MCLANE RD
City	CHARLOTTESVILLE
State	VA
Zip	22911-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	MCLANE RIDGE 1
Legal Subdivision	MCLANE RIDGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3015
Census Tract	10201

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	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 19, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 16, 2021	Deed, Transfer · VA Mortgage NAVY FCU
May 3, 2018	Grant Deed, Transfer · Conventional with PMI TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	202112529
Deed Book / Page	5576 / 537
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	POWERS, CHARLOTTESVILLE, VA 22911

Mortgage

Document Number	202600002864
Date	Mar 30, 2026
Instrument	202600002864

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400002974
Date	Apr 19, 2024
Instrument	202400002974

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 16, 2021
Property Address	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000
Document Number	5576/537
Book / Page	5576 / 537
Map Reference	MB 955 PG 282
Instrument Date	Jul 12, 2021
Instrument	2021-00012529
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000

Mortgage

Document Number	202100012530
Date	Jul 16, 2021
Instrument	2021-00012530

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 3, 2018
Property Address	2905 MCLANE RD, CHARLOTTESVILLE, VA 22911-9000
Document Number	0000004749
Book / Page	005042 / 000310
Instrument Date	Apr 2, 2018
Instrument	4749
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2905 MCLANE RD CHARLOTTESVILLE VA 229119000, CHARLOTTESVILLE, VA 22911-9000

Mortgage

Document Number	4750
Date	May 3, 2018
Book Page	005042/000314
Instrument	4750

Lender

Name	TOWNE FIRST MORTGAGE
Address	4501 COX RD # 301, GLEN ALLEN, VA 23060-3381

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

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	$4,694.00 (+5.2%)	$525,100 (+5.19%) Land $110,500 Building $414,600	$525,100 (+5.19%) Land $110,500 Building $414,600
2025	$4,462.00 (+20.59%)	$499,200 (+15.21%) Land $110,500 Building $388,700	$499,200 (+15.21%) Land $110,500 Building $388,700
2023	$3,700.00	$433,300 Land $98,300 Building $335,000	$433,300 Land $98,300 Building $335,000

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 · 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	4 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

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940

Cell Coverage

5G (outdoors only) and 4G LTE

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