412 Nicholson St, Charlottesville, VA 22901 Property Records

Charlottesville City property record for 412 Nicholson St, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,304 sqft · built 2018
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$775,000 (May 2026)
Tax Bill	$7,383 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48A039052`

Property Details

APN / Parcel Number

Primary APN	`48A039052`
Alternative APN	`52161`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,304 sqft Living Area
1st Floor Area	1,152 sqft
2nd Floor Area	1,152 sqft
Basement Area	1,152 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Concrete
Lot Area	2,614 sqft (0.06 acres)

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	110 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Coal

Location & Zoning

Street Address	412 NICHOLSON ST
City	CHARLOTTESVILLE
State	VA
Zip	22901-3778
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Legal Description	LOT 133 PH II LOCHLYN HILL
Legal Subdivision	LOCHLYN HILL SUB PH II
Legal Phase	2
Legal Lot Number	133
Jurisdiction	CHARLOTTESVILLE CITY VA
Township / Civil Division	CHARLOTTESVILLE
Census Block Group	1
Census Block	1001
Census Tract	900

Owner

412 Nicholson St is owned and occupied by an individual who bought it in May 2026.

Source: Charlottesville City records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	412 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Apr 28, 2021 · Amount on File
Deed Document Number	20261163
Record Updated	Oct 29, 2026

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHARLOTTESVILLE CITY VA
Recording Date	May 4, 2026
Property Address	412 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778
Document Number	0000001163
Instrument Date	Apr 27, 2026
Instrument	20261163
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339,191.33
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001164,
Date	May 4, 2026
Instrument	20261164

Lender

Name	MORGAN STANLEY PVT BANK NATIONAL ASSOCIATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 412 Nicholson St was $7,383, up 6.7% from the year before.

Source: Charlottesville City assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Charlottesville City
Unified School District	Charlottesville City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,383.00 (+6.66%)	$738,500 (+5.65%) Land $225,000 Building $513,500	$738,500 (+5.65%) Land $225,000 Building $513,500
2025	$6,922.00	$699,000 Land $190,000 Building $509,000	$699,000 Land $190,000 Building $509,000
2023	$5,741.00 (+10.02%)	$570,900 Land $175,000 Building $395,900	$570,900 Land $175,000 Building $395,900
2022	$5,218.00

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

Flood

FEMA maps place 412 Nicholson St in Zone X, an area of minimal flood risk.

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	7 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 412 Nicholson St 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 443 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Ting.

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