4205 Heards Ln, Afton, VA 22920 Property Records

Albemarle County property record for 4205 Heards Ln, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,090 sqft · built 1754
Lot Size	0.983 acres (42,819 sqft)
Owner	Individual Name on Record
Tax Bill	$2,636 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09600-00-00-02500`

Property Details

APN / Parcel Number

Primary APN	`09600-00-00-02500`
Alternative APN	`39664`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,090 sqft Finished Area
Family Room	Family Room
Flooring	Wood

Exterior

Year Built	Built 1754
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	42,819 sqft (0.983 acres)
Porch	Slab
Porch Area	429 sqft
Deck Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	4205 HEARDS LN
City	AFTON
State	VA
Zip	22920-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE TRACT K
Legal Subdivision	PLAT OF HEARDS PLANTATION
Legal Tract	K
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3070
Census Tract	11201

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	4205 HEARDS LN, AFTON, VA 22920-2104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit HOMESIDE FINANCIAL LLC
Apr 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Oct 5, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 25, 2021
Transfer Doc	0000005948
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4205 HEARDS LN, AFTON, VA 22920-2104
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 HEARDS LN, AFTON, VA 22920-2104

Mortgage

Document Number	005513/300
Date	Apr 5, 2021
Book Page	5513/300
Instrument	2021-00005950

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 5, 2021
Property Address	4205 HEARDS LN, AFTON, VA 22920-2104
Document Number	005513/281
Book / Page	5513 / 281
Map Reference	MB 305 PG 226
Instrument Date	Mar 25, 2021
Instrument	2021-00005948
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	MEYMAX TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4205 HEARDS LN, AFTON, VA 22920-2104

Mortgage

Document Number	202100005949
Date	Apr 5, 2021
Instrument	2021-00005949

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

October 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 5, 2017
Property Address	4205 HEARDS LN, AFTON, VA 22920-2104
Document Number	0000011632
Book / Page	004968 / 000329
Instrument Date	Sep 6, 2017
Instrument	11632
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	CLOSURE TITLE SETTLEMENT COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4205 HEARDS LN AFTON VA 229202104, AFTON, VA 22920-2104

Mortgage

Document Number	10533
Date	Oct 5, 2017
Book Page	004957/000729
Instrument	10533

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

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	$2,636.00 (+12.03%)	$294,800 (+11.96%) Land $63,800 Building $231,000	$294,800 (+11.96%) Land $63,800 Building $231,000
2025	$2,353.00 (+98.23%)	$263,300 (+89.29%) Land $54,400 Building $208,900	$263,300 (+89.29%) Land $54,400 Building $208,900
2023	$1,187.00	$139,100 Land $27,600 Building $111,500	$139,100 Land $27,600 Building $111,500

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	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

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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