5471 Murrays Ln, Covesville, VA 22931 Property Records

Albemarle County property record for 5471 Murrays Ln, Covesville, VA 22931

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1992
Lot Size	2.85 acres (124,146 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Sep 2020)
Tax Bill	$2,391 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`10900-00-00-043C1`

Property Details

APN / Parcel Number

Primary APN	`10900-00-00-043C1`
Alternative APN	`41434`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Finished Area
Basement Area	960 sqft
Finished Basement	576 sqft
Unfinished Basement	384 sqft
Flooring	Carpet

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	124,146 sqft (2.85 acres)
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	5471 MURRAYS LN
City	COVESVILLE
State	VA
Zip	22931-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE PARCEL C2
Legal Subdivision	THE CIRCUIT COURT OF ALBEMARLE COUNTY
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	2
Census Block	2043
Census Tract	11202

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	Individual Name on Record
Mailing Address	5471 MURRAYS LN, COVESVILLE, VA 22931-1647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
Jul 14, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Sep 26, 2013 · Amount on Record
Deed Document Number	202012813
Deed Book / Page	5389 / 503
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 17, 2020
Property Address	5471 MURRAYS LN, COVESVILLE, VA 22931-1647
Document Number	0000012813
Book / Page	005389 / 000503
Instrument Date	Sep 11, 2020
Instrument	12813
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5471 MURRAYS LN COVESVILLE VA 229311647, COVESVILLE, VA 22931-1647

Mortgage

Document Number	12815
Date	Sep 17, 2020
Book Page	005389/000511
Instrument	12815

Lender

Name	BANK OF THE JAMES
Type	Bank
Address	FOREST, VA 24551

Agreement

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

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	5471 MURRAYS LN, COVESVILLE, VA 22931-1647
Document Number	0000016652
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5471 MURRAYS LN COVESVILLE VA 229311647, COVESVILLE, VA 22931-1647

Mortgage

Document Number	0000016652
Date	Nov 18, 2020
Book Page	005428/000369
Instrument	16652

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	276 Months
Due	Nov 17, 2043

Interest

Rate	3.62%

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	$2,391.00 (+6.22%)	$267,500 (+4.7%) Land $86,000 Building $181,500	$267,500 (+4.7%) Land $86,000 Building $181,500
2025	$2,251.00 (+3.21%)
2023	$2,181.00	$255,500 Land $77,700 Building $177,800	$255,500 Land $77,700 Building $177,800

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	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · river or lake flooding

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 40% of the US · above 65% 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 7 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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