439 James Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 439 James Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,008 sqft · built 1970
Lot Size	3.36 acres (146,710 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jul 2018)
Tax Bill	$2,964 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07300-00-00-038C1`

Property Details

APN / Parcel Number

Primary APN	`07300-00-00-038C1`
Alternative APN	`29559`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Finished Area
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	A-Frame
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	146,710 sqft (3.36 acres)
Deck Area	899 sqft
Patio Area	914 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	439 JAMES LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-7442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3006
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	439 JAMES LN, CHARLOTTESVILLE, VA 22903-7442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Jul 25, 2018	Grant Deed, Transfer RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2018 · Amount on Record
Deed Sale	Jul 25, 2018 · Amount on Record
Deed Document Number	20188264
Deed Book / Page	5076 / 80
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	439 JAMES LN, CHARLOTTESVILLE, VA 22903-7442
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005502/788
Date	Mar 22, 2021
Book Page	5502/788
Instrument	202100004919

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 25, 2018
Property Address	439 JAMES LN, CHARLOTTESVILLE, VA 22903-7442
Document Number	0000008264
Book / Page	005076 / 000080
Instrument Date	Jul 18, 2018
Instrument	8264
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	RED FOX TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	439 JAMES LN CHARLOTTESVILLE VA 229037442, CHARLOTTESVILLE, VA 22903-7442

Mortgage

Document Number	8265
Date	Jul 25, 2018
Book Page	005076/000085
Instrument	8265

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	PORTLAND, ME 04106

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

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	$2,964.00 (+7.2%)	$331,500 (+7.18%) Land $176,000 Building $155,500	$331,500 (+7.18%) Land $176,000 Building $155,500
2025	$2,765.00 (+25.62%)	$309,300 (+19.98%) Land $172,100 Building $137,200	$309,300 (+19.98%) Land $172,100 Building $137,200
2023	$2,201.00	$257,800 Land $132,300 Building $125,500	$257,800 Land $132,300 Building $125,500

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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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