413 Ednam Dr, Charlottesville, VA 22903 Property Records

Albemarle County property record for 413 Ednam Dr, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,539 sqft · built 1971
Lot Size	1.58 acres (68,912 sqft)
Owner	Individual Name on Record
Last Sale	$880,000 (Dec 2013)
Tax Bill	$19,719 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`059D1-02-0H-01600`

Property Details

APN / Parcel Number

Primary APN	`059D1-02-0H-01600`
Alternative APN	`20134`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,539 sqft Finished Area
Basement Area	3,539 sqft
Finished Basement	750 sqft
Unfinished Basement	1,770 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	68,912 sqft (1.58 acres)
Garage Area	700 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Patio Area	462 sqft
Kennel	Kennel

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	413 EDNAM DR
City	CHARLOTTESVILLE
State	VA
Zip	22903-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 RESIDEN
Legal Description	EDNAM FOREST 4 H 16
Legal Subdivision	EDNAM FOREST
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	2
Census Block	2008
Census Tract	11000

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	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Mar 9, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Oct 5, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2013 · Amount on Record
Deed Sale	Dec 3, 2013 · Amount on Record
Deed Document Number	201316132
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 22, 2026
Property Address	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719
Document Number	0000006086
Instrument Date	Jun 2, 2026
Instrument	20266086
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719

Mortgage

Document Number	0000006086,
Date	Jun 22, 2026
Instrument	20266086

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719
Transaction Type	Mortgage
Record Updated	Apr 6, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300001780
Date	Mar 9, 2023
Instrument	202300001780

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5629/309
Date	Oct 25, 2021
Book Page	5629/309
Instrument	2021-00017857

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	413 EDNAM DR, CHARLOTTESVILLE, VA 22903-4719
Document Number	0000011500
Instrument Date	Oct 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	413 EDNAM DR CHARLOTTESVILLE VA 229034719, CHARLOTTESVILLE, VA 22903-4719

Mortgage

Document Number	0000011500
Date	Oct 22, 2019
Book Page	005232/000443
Instrument	11500

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

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	$19,719.00 (+15.44%)	$2,205,700 (+45.02%) Land $533,500 Building $1,672,200	$2,205,700 (+45.02%) Land $533,500 Building $1,672,200
2025	$17,082.00 (+31.51%)
2023	$12,989.00	$1,521,000 Land $423,500 Building $1,097,500	$1,521,000 Land $423,500 Building $1,097,500

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	5 in force
Nearby Flood Claims	6 (1979–2024)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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