445 Labrador Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 445 Labrador Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,966 sqft · built 2015
Lot Size	5.44 acres (237,010 sqft)
Owner	Company Name on Record
Last Sale	$140,000 (Apr 2014)
Tax Bill	$11,195 (2026)
Deeds & Mortgages	Dec 2021 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07300-00-00-027H0`

Property Details

APN / Parcel Number

Primary APN	`07300-00-00-027H0`
Alternative APN	`29443`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,966 sqft Finished Area
Basement Area	2,406 sqft
Finished Basement	1,024 sqft
Unfinished Basement	1,382 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	237,010 sqft (5.44 acres)
Garage Area	664 sqft

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	296 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	445 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 2
Legal Subdivision	RETRIEVER RUN
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	Company Name on Record
Mailing Address	445 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Intrafamily Transfer, Transfer
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MTG
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2014 · Amount on Record
Deed Sale	Apr 14, 2014 · Amount on Record
Deed Document Number	20143237
Last Transfer Date	Dec 14, 2021
Transfer Doc	0005655/21
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 16, 2021
Property Address	445 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Document Number	0005655/21
Book / Page	5655 / 21
Map Reference	MB 2654 PG 466
Instrument Date	Dec 14, 2021
Instrument	202100020600
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	445 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	445 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Document Number	0000016625
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	SECURITY AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 LABRADOR LN CHARLOTTESVILLE VA 229037229, CHARLOTTESVILLE, VA 22903-7229

Mortgage

Document Number	0000016625
Date	Nov 17, 2020
Book Page	005428/000110
Instrument	16625

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	445 LABRADOR LN, CHARLOTTESVILLE, VA 22903-7229
Document Number	0000010254
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 LABRADOR LN CHARLOTTESVILLE VA 229037229, CHARLOTTESVILLE, VA 22903-7229

Mortgage

Document Number	0000010254
Date	Aug 6, 2020
Book Page	005364/000125
Instrument	10254

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

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	$11,195.00 (+8.55%)	$1,252,200 (+8.55%) Land $258,000 Building $994,200	$1,252,200 (+8.55%) Land $258,000 Building $994,200
2025	$10,313.00 (+14.92%)	$1,153,600 (+9.77%) Land $227,200 Building $926,400	$1,153,600 (+9.77%) Land $227,200 Building $926,400
2023	$8,974.00	$1,050,900 Land $208,700 Building $842,200	$1,050,900 Land $208,700 Building $842,200

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 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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