448 Pine Needles Ln, Afton, VA 22920 Property Records

Nelson County property record for 448 Pine Needles Ln, Afton, VA 22920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,768 sqft · built 1993
Lot Size	9.5 acres (413,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,500 (Jul 2026)
Tax Bill	$2,716 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7 A 86E`

Property Details

APN / Parcel Number

Primary APN	`7 A 86E`
Alternative APN	`13836`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,768 sqft Finished Area
Basement Area	884 sqft
Unfinished Basement	884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	413,820 sqft (9.5 acres)
Porch	Slab
Porch Area	210 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	13836
Street Address	448 PINE NEEDLES LN
City	AFTON
State	VA
Zip	22920-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOODLOE-CRITZER-WESTVACO
Jurisdiction	NELSON VA
Township / Civil Division	NORTH
Census Block Group	1
Census Block	1006
Census Tract	950201

Owner

Source: Nelson County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	448 PINE NEEDLES LN, AFTON, VA 22920-2654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Sep 5, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Deed Document Number	20261422
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Jul 1, 2026
Property Address	448 PINE NEEDLES LN, AFTON, VA 22920-2654
Document Number	0000001422
Book / Page	23
Instrument Date	Jun 30, 2026
Instrument	20261422
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,721.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 PINE NEEDLES LN, AFTON, VA 22920-2654

Mortgage

Document Number	0000001423,
Date	Jul 1, 2026
Instrument	20261423

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	448 PINE NEEDLES LN, AFTON, VA 22920-2654
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170002181
Date	Sep 5, 2017
Instrument	170002181

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	RICHMOND, VA 23219

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Nelson County
Unified School District	Nelson County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,716.00 (+28.48%)	$485,100 (+49.12%) Land $155,000 Building $330,100	$485,100 (+49.12%) Land $155,000 Building $330,100
2025	$2,114.00	$325,300 (-) Land $81,000 Building $244,300	$325,300 (-) Land $81,000 Building $244,300
2023	$2,114.00	$325,300 Land $81,000 Building $244,300	$325,300 Land $81,000 Building $244,300

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 4, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.04% 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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