499 Front St, Lovingston, VA 22949 Property Records

Nelson County property record for 499 Front St, Lovingston, VA 22949

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,623 sqft · built 2020
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$152,000 (Oct 2023)
Tax Bill	$956 (2026)
Deeds & Mortgages	Aug 2005 Mortgage Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58B 3 37`

Property Details

APN / Parcel Number

Primary APN	`58B 3 37`
Alternative APN	`08435`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,623 sqft Finished Area
Basement Area	160 sqft
Unfinished Basement	160 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	228 ft deep x 96 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	306 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	08435
Street Address	499 FRONT ST
City	LOVINGSTON
State	VA
Zip	22949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC
Legal Description	LOVINGSTON DB 193/492
Legal Subdivision	LOVINGSTON
Jurisdiction	NELSON VA
Township / Civil Division	EAST
Census Block Group	2
Census Block	2028
Census Tract	950102

Owner

Source: Nelson County records, as of June 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1131 OAK HILL DR, CHARLOTTESVILLE, VA 22902-6407
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 9, 2026	Quit Claim Deed, Transfer FIRST BANK
Oct 11, 2023	Deed, Transfer · Stand-Alone First Mortgage CAPITAL CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Deed Document Number	20232296
Last Transfer Date	Feb 10, 2026
Transfer Doc	0202600534
Record Updated	Oct 29, 2026

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	499 FRONT ST, LOVINGSTON, VA 22949
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050004025
Date	Aug 19, 2005
Instrument	050004025

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2035

Interest

Rate	5.87%

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NELSON VA
Recording Date	Mar 9, 2026
Property Address	499 FRONT ST, LOVINGSTON, VA 22949
Document Number	0202600534
Instrument Date	Mar 6, 2026
Instrument	202600534
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1131 OAK HILL DR, CHARLOTTESVILLE, VA 22902-6407

Mortgage

Document Number	0202600535
Date	Mar 9, 2026
Instrument	202600535

Lender

Name	FIRST BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Oct 11, 2023
Property Address	499 FRONT ST, LOVINGSTON, VA 22949
Document Number	0202302296
Instrument Date	Oct 5, 2023
Instrument	202302296
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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	499 FRONT ST, LOVINGSTON, VA 22949

Mortgage

Document Number	0202302297
Date	Oct 11, 2023
Instrument	202302297

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

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	$956.00 (+4.82%)	$170,800 (+21.65%) Land $35,500 Building $135,300	$170,800 (+21.65%) Land $35,500 Building $135,300
2025	$912.00	$140,400 (-) Land $26,900 Building $113,500	$140,400 (-) Land $26,900 Building $113,500
2023	$912.00	$140,400 Land $26,900 Building $113,500	$140,400 Land $26,900 Building $113,500

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 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Moderate above 43% of the US · above 70% of Virginia
Wildfire Likelihood	0.07% 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Nelson County Cablevision Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: RiverStreet Networks.

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