5790 Henderson Ln, Covesville, VA 22931 Property Records

Albemarle County property record for 5790 Henderson Ln, Covesville, VA 22931

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,338 sqft · built 2005
Lot Size	32.4 acres (1,411,605 sqft)
Owner	Individual Name on File
Last Sale	$830,000 (Jan 2023)
Tax Bill	$5,621 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10900-00-00-004E0`

Property Details

APN / Parcel Number

Primary APN	`10900-00-00-004E0`
Alternative APN	`41324`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,338 sqft Finished Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	1,411,605 sqft (32.4 acres)

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Patio Area	635 sqft
Shed	1 Shed
Shed Area	384 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	5790 HENDERSON LN
City	COVESVILLE
State	VA
Zip	22931-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4019
Census Tract	11400

Owner

5790 Henderson Ln is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5790 HENDERSON LN, COVESVILLE, VA 22931-1823
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 2, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Jan 3, 2023	Deed, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Jan 3, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST HERITAGE MTG
Jul 17, 2018	Grant Deed, Transfer · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on File
Deed Sale	Jan 3, 2023 · Amount on File
Prior Sale	Jul 17, 2018 · Amount on File
Deed Document Number	20237
Deed Book / Page	1
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5790 HENDERSON LN, COVESVILLE, VA 22931-1823
Transaction Type	Mortgage
Record Updated	Dec 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200013372
Date	Dec 2, 2022
Instrument	202200013372

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 3, 2023
Property Address	5790 HENDERSON LN, COVESVILLE, VA 22931-1823
Document Number	202300000007
Map Reference	MB 1200 PG 81
Instrument Date	Nov 29, 2022
Instrument	202300000007
Transaction Type	Transfer
Record Updated	Jan 25, 2023
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.00
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	5790 HENDERSON LN, COVESVILLE, VA 22931-1823

Mortgage

Document Number	202300000008
Date	Jan 3, 2023
Instrument	202300000008

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Mortgage

Document Number	202300000009
Date	Jan 3, 2023
Instrument	202300000009

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2038

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5790 HENDERSON LN, COVESVILLE, VA 22931-1823
Document Number	0000000256
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	RED FOX TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5790 HENDERSON LN COVESVILLE VA 229311823, COVESVILLE, VA 22931-1823

Mortgage

Document Number	0000000256
Date	Jan 8, 2020
Book Page	005264/000371
Instrument	256

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 17, 2018
Property Address	5790 HENDERSON LN, COVESVILLE, VA 22931-1823
Document Number	0000007945
Book / Page	005073 / 000040
Instrument Date	Jul 10, 2018
Instrument	7945
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5790 HENDERSON LN COVESVILLE VA 229311823, COVESVILLE, VA 22931-1823

Mortgage

Document Number	7947
Date	Jul 17, 2018
Book Page	005073/000057
Instrument	7947

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	7946,
Date	Jul 17, 2018
Book Page	005073/000043
Instrument	7946

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 5790 Henderson Ln was $5,621, down 27.7% from the year before.

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	$5,621.00 (-27.69%)	$980,200 (+12.73%) Land $466,400 Building $513,800	$980,200 (+12.73%) Land $466,400 Building $513,800
2025	$7,773.00	$869,500 Land $397,300 Building $472,200	$869,500 Land $397,300 Building $472,200
2023	$7,141.00	$836,200 Land $397,300 Building $438,900	$836,200 Land $397,300 Building $438,900

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

Flood

FEMA maps place 5790 Henderson Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5790 Henderson 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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.

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