Albemarle County property record for 474 James Ln, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft · built 2007 |
| Lot Size | 2.17 acres (94,612 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,320 (2026) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07300-00-00-038F2 |
| Primary APN | 07300-00-00-038F2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,596 sqft Finished Area |
| Basement Area | 1,596 sqft |
| Unfinished Basement | 1,596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 94,612 sqft (2.17 acres) |
| Porch | Slab |
| Porch Area | 132 sqft |
| Patio Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 474 JAMES LN |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | ACREAGE 1 |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11201 |
474 James Ln is owned by an individual who acquired it in October 2012.
Source: Albemarle County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 150, IVY, VA 22945-0150 |
| Owner Type | Individual |
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 Transfer Date | Oct 17, 2012 |
| Transfer Doc | 4246/409 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 474 JAMES LN, CHARLOTTESVILLE, VA 22903 |
| Document Number | 0000010656 |
| Instrument Date | Sep 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | CLOSURE TITLE |
| Name | Verified Name |
|---|---|
| Address | 474 JAMES LN CHARLOTTESVILLE VA 22903, CHARLOTTESVILLE, VA 22903 |
| Document Number | 0000010656 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 005223/000681 |
| Instrument | 10656 |
| Name | WATERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2049 |
The 2026 property tax bill for 474 James Ln was $4,320, up 8.8% from the year before.
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,320.00 (+8.79%) | $483,200 (+8.78%) Land $172,300 Building $310,900 | $483,200 (+8.78%) Land $172,300 Building $310,900 |
| 2025 | $3,971.00 | $444,200 Land $150,500 Building $293,700 | $444,200 Land $150,500 Building $293,700 |
| 2023 | $3,073.00 | $359,900 Land $115,700 Building $244,200 | $359,900 Land $115,700 Building $244,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 James Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 risk around 474 James Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% 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.
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.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures