435 E Nelson St, Lexington, VA 24450 Property Records

Lexington City property record for 435 E Nelson St, Lexington, VA 24450

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	28,356 sqft · built 1970
Lot Size	5.67 acres (247,203 sqft)
Owner	Company Name on Record
Last Sale	$4,800,000 (Jun 2022)
Deeds & Mortgages	Dec 2022 Construction Loan Oct 2022 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30 1 9`

Property Details

APN / Parcel Number

Primary APN	`30 1 9`
Alternative APN	`2044`

Interior

Stories	1 Story
Building Area	28,356 sqft Gross Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	247,203 sqft (5.67 acres)
Terrain	Rolling
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2044
Street Address	435 E NELSON ST
City	LEXINGTON
State	VA
Zip	24450-2725
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C2
Legal Description	ROCKBRIDGE SQUARE PLAT CAB 4 S1 605 INST #220002117
Jurisdiction	LEXINGTON CITY VA
Township / Civil Division	LEXINGTON
Census Block Group	3
Census Block	3015
Census Tract	930501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lexington Historic District listed 1972 · 416 contributing resources · NRIS 72001506

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lexington City records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1305 GARTH GATE LN, CHARLOTTESVILLE, VA 22901-8886
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Construction Mortgage CS BANK
Oct 14, 2022	Deed of Trust, Mortgage · Construction Mortgage CORNERSTONE BANK NA
Sep 7, 2023	Deed of Trust, Mortgage · Unknown CORNERSTONE BANK NA
Sep 7, 2023	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK NA
Jun 28, 2022	Deed, Transfer · Line of Credit CORNERSTONE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Jan 6, 2006
Deed Document Number	0000211733
Deed Book / Page	2117 / 33
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON CITY VA
Property Address	435 E NELSON ST, LEXINGTON, VA 24450-2725
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 GARTH GATE LN, CHARLOTTESVILLE, VA 22901-8886

Mortgage

Document Number	0220003748
Date	Dec 12, 2022
Instrument	220003748

Lender

Name	CS BANK
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON CITY VA
Property Address	435 E NELSON ST, LEXINGTON, VA 24450-2725
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 GARTH GATE LN, CHARLOTTESVILLE, VA 22901-8886

Mortgage

Document Number	0220003287
Date	Oct 14, 2022
Instrument	220003287

Lender

Name	CORNERSTONE BANK NA
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON CITY VA
Property Address	435 E NELSON ST, LEXINGTON, VA 24450-2725
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 GARTH GATE LN, CHARLOTTESVILLE, VA 22901-8886

Mortgage

Document Number	0230002082
Date	Sep 7, 2023
Instrument	230002082

Lender

Name	CORNERSTONE BANK NA
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON CITY VA
Property Address	435 E NELSON ST, LEXINGTON, VA 24450-2725
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 GARTH GATE LN, CHARLOTTESVLE, VA 22901-8886

Mortgage

Document Number	0230002084
Date	Sep 7, 2023
Instrument	230002084

Lender

Name	CORNERSTONE BANK NA
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON CITY VA
Recording Date	Jun 28, 2022
Property Address	435 E NELSON ST, LEXINGTON, VA 24450-2725
Document Number	0220002117
Map Reference	CAB 4 SL 605
Instrument Date	Jun 24, 2022
Instrument	220002117
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 GARTH GATE LN, CHARLOTTESVILLE, VA 22901-8886

Mortgage

Document Number	0220002120
Date	Jun 28, 2022
Instrument	220002120

Lender

Name	CORNERSTONE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0220002118
Date	Jun 28, 2022
Instrument	220002118

Lender

Name	CS BANK
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lexington City assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Lexington City
Elementary School District	Lexington City Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$4,970,500 (%) Land $2,669,800 Building $2,300,700
2023	$4,970,538 Land $2,669,800 Building $2,300,738	$4,970,538 (+%) Land $2,669,800 Building $2,300,738
2022		$4,970,500 Land $2,669,800 Building $2,300,700

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 August 7, 2006

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach

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	CITY OF LEXINGTON serves 7,500 people · EPA ID VA2678375
Water Source	Purchased surface water from MAURY SERVICE AUTHORITY
Last State Inspection	Dec 2024
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: BARC Connects.

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