559 Front St, Lovingston, VA 22949 Property Records

Nelson County property record for 559 Front St, Lovingston, VA 22949

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,792 sqft · built 1924
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (May 2023)
Tax Bill	$1,369 (2026)
Deeds & Mortgages	Feb 2008 Line of Credit May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`58B 3 33C`

Property Details

APN / Parcel Number

Primary APN	`58B 3 33C`
Alternative APN	`02933`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Finished Area
Basement Area	448 sqft
Unfinished Basement	448 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	228 ft deep x 96 ft wide
Porch	Slab
Porch Area	210 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	02933
Street Address	559 FRONT ST
City	LOVINGSTON
State	VA
Zip	22949-2363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TC
Legal Description	LOTS 33C & 34 LOVINGSTON
Legal Lot Number	33C,34
Jurisdiction	NELSON VA
Township / Civil Division	EAST
Census Block Group	2
Census Block	2028
Census Tract	950102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lovingston Historic District listed 2005 · 133 contributing resources · NRIS 05001232

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

559 Front St is owned by an individual who bought it in May 2023.

Source: Nelson County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 564, LOVINGSTON, VA 22949-0564
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
Feb 8, 2008	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 9, 2023	Deed, Transfer · Stand-Alone First Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2023 · Amount on File
Deed Sale	May 9, 2023 · Amount on File
Deed Document Number	2023958
Record Updated	Oct 29, 2026

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	559 FRONT ST, LOVINGSTON, VA 22949-2363
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0080000427
Date	Feb 8, 2008
Instrument	080000427

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	297 Months
Due	Nov 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	May 9, 2023
Property Address	559 FRONT ST, LOVINGSTON, VA 22949-2363
Document Number	0202300958
Instrument Date	Apr 28, 2023
Instrument	202300958
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	Tenants by the Entirety
Address	PO BOX 564, LOVINGSTON, VA 22949-0564

Mortgage

Document Number	0202300959
Date	May 9, 2023
Instrument	202300959

Lender

Name	ATLANTIC UNION BANK

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 559 Front St was $1,369, up 27.7% from the year before.

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	$1,369.00 (+27.71%)	$244,600 (+48.24%) Land $37,000 Building $207,600	$244,600 (+48.24%) Land $37,000 Building $207,600
2025	$1,072.00	$165,000 Land $31,600 Building $133,400	$165,000 Land $31,600 Building $133,400
2023	$1,053.00	$162,000 Land $28,600 Building $133,400	$162,000 Land $28,600 Building $133,400

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

Flood

FEMA maps place 559 Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 559 Front St is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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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