5855 Emerald Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 5855 Emerald Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,466 sqft · built 1987
Lot Size	9.18 acres (400,055 sqft)
Owner	Company Name on Record
Tax Bill	$9,906 (2026)
Deeds & Mortgages	Nov 2020 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05600-00-00-019H0`

Property Details

APN / Parcel Number

Primary APN	`05600-00-00-019H0`
Alternative APN	`16329`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,466 sqft Finished Area
Basement Area	3,610 sqft
Finished Basement	439 sqft
Unfinished Basement	1,986 sqft
Flooring	Wood
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	400,055 sqft (9.18 acres)
Garage Type	Mixed
Garage Area	1,488 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	1,006 sqft
Porch	Slab
Porch Area	224 sqft
Deck Area	473 sqft
Patio Area	66 sqft
Stable	1,296 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	5855 EMERALD LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-9357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	EMERALD FOREST 6
Legal Subdivision	EMERALD FOREST
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	2
Census Block	2012
Census Tract	11103

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	Company Name on Record
Mailing Address	5855 EMERALD LN, CHARLOTTESVILLE, VA 22903-9357
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MTG
Nov 6, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Aug 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 13, 2018
Transfer Doc	0000009088
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5855 EMERALD LN, CHARLOTTESVILLE, VA 22903-9357
Document Number	0000017851
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5855 EMERALD LN CHARLOTTESVILLE VA 229039357, CHARLOTTESVILLE, VA 22903-9357

Mortgage

Document Number	0000017851
Date	Dec 9, 2020
Book Page	005440/000233
Instrument	17851

Lender

Name	TRUIST BK
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5855 EMERALD LN, CHARLOTTESVILLE, VA 22903-9357
Document Number	0000013303
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5855 EMERALD LN CHARLOTTESVILLE VA 229039357, CHARLOTTESVILLE, VA 22903-9357

Mortgage

Document Number	0000013303
Date	Sep 24, 2020
Book Page	005394/000453
Instrument	13303

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 23, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5855 EMERALD LN, CHARLOTTESVILLE, VA 22903-9357
Document Number	0000012984
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5855 EMERALD LN CHARLOTTESVILLE VA 229039357, CHARLOTTESVILLE, VA 22903-9357

Mortgage

Document Number	0000012984
Date	Nov 27, 2018
Book Page	005116/000397
Instrument	12984

Lender

Name	BRANCH BK&TR
Type	Bank
Address	RICHMOND, VA 23219-4079

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 14, 2018
Property Address	5855 EMERALD LN, CHARLOTTESVILLE, VA 22903-9357
Document Number	0000009088
Book / Page	005083 / 000514
Instrument Date	Aug 13, 2018
Instrument	9088
Transaction Type	Transfer
Record Updated	Aug 30, 2018
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	Revocable Trust
Address	5855 EMERALD LN CHARLOTTESVILLE VA 229039357, CHARLOTTESVILLE, VA 22903-9357

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	$9,906.00 (+3.33%)	$1,108,000 (+3.32%) Land $240,900 Building $867,100	$1,108,000 (+3.32%) Land $240,900 Building $867,100
2025	$9,587.00 (+7.89%)	$1,072,400 (+3.06%) Land $240,900 Building $831,500	$1,072,400 (+3.06%) Land $240,900 Building $831,500
2023	$8,886.00	$1,040,600 Land $240,900 Building $799,700	$1,040,600 Land $240,900 Building $799,700

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

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	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)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Brightspeed, Lingo Networks, T-Mobile.

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