5873 Henderson Ln, Covesville, VA 22931 Property Records

Albemarle County property record for 5873 Henderson Ln, Covesville, VA 22931

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (May 2022)
Tax Bill	$2,013 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10900-00-00-006D0`

Property Details

APN / Parcel Number

Primary APN	`10900-00-00-006D0`
Alternative APN	`41330`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Finished Area
Flooring	Wood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Slab
Porch Area	72 sqft
Deck Area	532 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Wood

Location & Zoning

Street Address	5873 HENDERSON LN
City	COVESVILLE
State	VA
Zip	22931-1825
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

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	5873 HENDERSON LN, COVESVILLE, VA 22931-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed, Transfer · Conventional Mortgage MEMBER OPTIONS LLC
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST RURAL CMNTY ASSISTAN
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTHEAST RURAL CMNTY ASSISTAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Deed Document Number	20226344
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 25, 2022
Property Address	5873 HENDERSON LN, COVESVILLE, VA 22931-1825
Document Number	202200006344
Map Reference	MB 392 PG 476
Instrument Date	May 2, 2022
Instrument	202200006344
Transaction Type	Transfer
Record Updated	Jun 20, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5873 HENDERSON LN, COVESVILLE, VA 22931-1825
Investor	Possibly a Property Investor

Mortgage

Document Number	202200006345
Date	May 25, 2022
Instrument	202200006345

Lender

Name	MEMBER OPTIONS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5873 HENDERSON LN, COVESVILLE, VA 22931-1825
Document Number	0000010622
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5873 HENDERSON LN COVESVILLE VA 229311825, COVESVILLE, VA 22931-1825

Mortgage

Document Number	0000010622
Date	Sep 21, 2018
Book Page	005097/000106
Instrument	10622

Lender

Name	SOUTHEAST RURAL CMNTY ASSISTAN
Address	ROANOKE, VA 24016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2028

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	5873 HENDERSON LN, COVESVILLE, VA 22931-1825
Document Number	0000006692
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5873 HENDERSON LN COVESVILLE VA 229311825, COVESVILLE, VA 22931-1825

Mortgage

Document Number	0000006692
Date	Jun 19, 2018
Book Page	005061/000334
Instrument	6692

Lender

Name	SOUTHEAST RURAL CMNTY ASSISTAN
Address	ROANOKE, VA 24016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2028

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	$2,013.00 (+9.11%)	$225,200 (+9.11%) Land $60,600 Building $164,600	$225,200 (+9.11%) Land $60,600 Building $164,600
2025	$1,845.00 (+16.85%)	$206,400 (+11.57%) Land $51,700 Building $154,700	$206,400 (+11.57%) Land $51,700 Building $154,700
2023	$1,579.00	$185,000 Land $51,700 Building $133,300	$185,000 Land $51,700 Building $133,300

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

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

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	0.03% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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