5840 Emerald Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 5840 Emerald Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,792 sqft · built 1987
Lot Size	6.68 acres (291,111 sqft)
Owner	Trust Name on File
Tax Bill	$7,091 (2026)
Deeds & Mortgages	May 2019 Line of Credit Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`05600-00-00-019E0`

Property Details

APN / Parcel Number

Primary APN	`05600-00-00-019E0`
Alternative APN	`16326`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,792 sqft Finished Area
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	291,111 sqft (6.68 acres)
Garage Type	Detached
Garage Area	1,912 sqft

Exterior Amenities

Porch	Slab
Porch Area	500 sqft
Deck Area	1,428 sqft
Patio Area	1,140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	5840 EMERALD LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-9356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	EMERALD FOREST 3
Legal Subdivision	EMERALD FOREST
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	2
Census Block	2012
Census Tract	11103

Owner

5840 Emerald Ln is owner-occupied and held in a trust since February 2017.

Source: Albemarle County records, as of August 18, 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	Trust Name on File
Mailing Address	5840 EMERALD LN, CHARLOTTESVILLE, VA 22903-9356
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 17, 2019	Deed of Trust, Mortgage · Line of Credit DUPONT CMNTY CU
Feb 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2017
Deed Sale	Feb 16, 2017
Prior Sale	Feb 16, 2017
Deed Document Number	20171989
Prior Transfer Date	Jan 23, 2017
Prior Transfer Doc	0000001988
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5840 EMERALD LN, CHARLOTTESVILLE, VA 22903-9356
Document Number	0000004876
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5840 EMERALD LN CHARLOTTESVILLE VA 229039356, CHARLOTTESVILLE, VA 22903-9356

Mortgage

Document Number	0000004876
Date	May 22, 2019
Book Page	005168/000407
Instrument	4876

Lender

Name	DUPONT CMNTY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 16, 2017
Property Address	5840 EMERALD LN, CHARLOTTESVILLE, VA 22903-9356
Document Number	0000001988
Book / Page	004877 / 000488
Instrument Date	Jan 23, 2017
Instrument	1988
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5840 EMERALD LN CHARLOTTESVILLE VA 229039356, CHARLOTTESVILLE, VA 22903-9356

Tax Assessment & Valuation

The 2026 property tax bill for 5840 Emerald Ln was $7,091, down 7.2% 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	$7,091.00 (-7.23%)	$793,200 (-7.24%) Land $229,000 Building $564,200	$793,200 (-7.24%) Land $229,000 Building $564,200
2025	$7,644.00	$855,100 Land $229,000 Building $626,100	$855,100 Land $229,000 Building $626,100
2023	$6,570.00	$769,400 Land $229,000 Building $540,400	$769,400 Land $229,000 Building $540,400

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

Flood

FEMA maps place 5840 Emerald Ln in Zone X, an area of minimal flood risk.

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

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 5840 Emerald Ln is low, with a 0.02% 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	0.02% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000

May also be available: Xfinity.

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