545 N Main St, Chatham, VA 24531 Property Records

Pittsylvania County property record for 545 N Main St, Chatham, VA 24531

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,566 sqft · built 2002
Lot Size	1.76 acres (76,666 sqft)
Owner	Individual Name on File
Tax Bill	$40 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`2426-16-8190`

Property Details

APN / Parcel Number

Primary APN	`2426-16-8190`
Alternative APN	`82363`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,566 sqft Living Area
Basement Area	1,566 sqft
Unfinished Basement	1,566 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Block
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	76,666 sqft (1.76 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	82363
Street Address	545 N MAIN ST
City	CHATHAM
State	VA
Zip	24531-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	HWY 29 LOT 4 1.76 AC
Legal Lot Number	4
Jurisdiction	PITTSYLVANIA VA
Township / Civil Division	BANISTER
Census Block Group	2
Census Block	2004
Census Tract	10500

Owner

545 N Main St is owned and occupied by an individual.

Source: Pittsylvania County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	545 N MAIN ST, CHATHAM, VA 24531-4414
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NATIONAL BANK AND TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	545 N MAIN ST, CHATHAM, VA 24531-4414
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, EXPERT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 N MAIN ST, CHATHAM, VA 24531-4414

Mortgage

Document Number	0250006590
Date	Dec 30, 2025
Instrument	250006590

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	545 N MAIN ST, CHATHAM, VA 24531-4414
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006279
Date	Oct 6, 2021
Instrument	210006279

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 545 N Main St was $40, down 97.1% from the year before.

Source: Pittsylvania County assessment roll, as of July 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$40.00 (-97.1%)	$222,300 Land $15,000 Building $207,300	$222,300 Land $15,000 Building $207,300
2025	$1,378.00
2022		$145,100 Land $15,000 Building $130,100	$145,100 Land $15,000 Building $130,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 545 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · 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	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

Wildfire risk around 545 N Main St is low, with a 0.01% annual chance of 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	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CHATHAM serves 2,500 people · EPA ID VA5143114
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: RiverStreet Networks.

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