Charlottesville City property record for 428 Nicholson St, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,560 sqft · built 2019 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $692,500 (Dec 2019) |
| Tax Bill | $9,806 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48A039048 |
| Primary APN | 48A039048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,560 sqft Finished Area |
| 1st Floor Area | 1,248 sqft |
| 2nd Floor Area | 880 sqft |
| Basement Area | 1,248 sqft |
| Finished Basement | 895 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood |
| Roof Type | Shed Roof |
| Roof Material | Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Porch | Patio |
| Porch Area | 476 sqft |
| Heating System | Heat Pump |
|---|
| Street Address | 428 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 129 PH II LOCHLYN HILL |
| Legal Subdivision | LOCHLYN HILL SUB PH II |
| Legal Phase | 2 |
| Legal Lot Number | 129 |
| Jurisdiction | CHARLOTTESVILLE CITY VA |
| Township / Civil Division | CHARLOTTESVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 900 |
428 Nicholson St is owned and occupied by an individual who acquired it in July 2021.
Source: Charlottesville City records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Prior Sale | May 31, 2019 · Amount on File |
| Last Transfer Date | Jul 16, 2021 |
| Transfer Doc | 0000003778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTESVILLE CITY VA |
| Recording Date | Jul 27, 2026 |
| Property Address | 428 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778 |
| Document Number | 0000002040 |
| Instrument Date | Jul 18, 2026 |
| Instrument | 20262040 |
| Record Updated | Aug 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 428 NICHOLSON ST, CHARLOTTESVILLE, VA 22901-3778 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002040, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 20262040 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|
| Max Rate | -1% |
|---|
The 2026 property tax bill for 428 Nicholson St was $9,806.
Source: Charlottesville City assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Charlottesville City |
| Unified School District | Charlottesville City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,806.00 | $984,700 (+5.28%) Land $225,000 Building $759,700 | $984,700 (+5.28%) Land $225,000 Building $759,700 |
| 2025 | $935,300 Land $190,000 Building $745,300 | $935,300 Land $190,000 Building $745,300 | |
| 2023 | $7,989.00 (+9.45%) | $800,700 Land $175,000 Building $625,700 | $800,700 Land $175,000 Building $625,700 |
| 2022 | $7,299.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 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 risk around 428 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.
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 |
| 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.
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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