415 Labrador Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 415 Labrador Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,824 sqft · built 2015
Lot Size	5.07 acres (220,849 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Jul 2017)
Tax Bill	$11,259 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07300-00-00-027G0`

Property Details

APN / Parcel Number

Primary APN	`07300-00-00-027G0`
Alternative APN	`29442`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,824 sqft Finished Area
Basement Area	2,038 sqft
Finished Basement	1,110 sqft
Unfinished Basement	928 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	220,849 sqft (5.07 acres)
Garage Area	528 sqft
Porch	Slab
Porch Area	166 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	415 LABRADOR LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-7229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	RETRIEVER RUN 1
Legal Subdivision	RETRIEVER RUN
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3006
Census Tract	11201

Owner

415 Labrador Ln is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	415 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
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
Sep 30, 2020	Deed of Trust, Mortgage FINANCE OF AMERICA MTG
Jul 24, 2017	Grant Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2017 · Amount on File
Deed Sale	Jul 24, 2017 · Amount on File
Prior Sale	Mar 31, 2014 · Amount on File
Deed Document Number	20178345
Deed Book / Page	4937 / 676
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	415 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Document Number	0000014254
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 LABRADOR LN CHARLOTTESVILLE VA 229037229, CHARLOTTESVILLE, VA 22903-7229

Mortgage

Document Number	0000014254
Date	Oct 13, 2020
Book Page	005404/000427
Instrument	14254

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 24, 2017
Property Address	415 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Document Number	0000008345
Book / Page	004937 / 000676
Instrument Date	Jul 17, 2017
Instrument	8345
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	RELIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
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	115 LABRADOR LN CHARLOTTESVILLE VA 22903, CHARLOTTESVILLE, VA 22903

Mortgage

Document Number	8346
Date	Jul 24, 2017
Book Page	004937/000680
Instrument	8346

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 415 Labrador Ln was $11,259, up 8.2% 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	$11,259.00 (+8.24%)	$1,259,400 (+8.23%) Land $252,300 Building $1,007,100	$1,259,400 (+8.23%) Land $252,300 Building $1,007,100
2025	$10,402.00	$1,163,600 Land $254,500 Building $909,100	$1,163,600 Land $254,500 Building $909,100
2023	$9,727.00	$1,139,000 Land $226,500 Building $912,500	$1,139,000 Land $226,500 Building $912,500

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

Flood

FEMA maps place 415 Labrador Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Aug 2024 · rainfall accumulation

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 415 Labrador Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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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