Nelson County property record for 66 Spencer Ln, Lovingston, VA 22949
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,490 sqft · built 2007 |
| Lot Size | 90.4 acres (3,941,744 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,762 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 45 A 112 |
| Primary APN | 45 A 112 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,490 sqft Finished Area |
| Basement Area | 1,370 sqft |
| Finished Basement | 1,370 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,941,744 sqft (90.4 acres) |
| Terrain | High |
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Geothermal |
| Account Number | 07576 |
|---|---|
| Street Address | 66 SPENCER LN |
| City | LOVINGSTON |
| State | VA |
| Zip | 22949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGWATER-KIDD |
| Jurisdiction | NELSON VA |
| Township / Civil Division | EAST |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 950102 |
66 Spencer Ln is owned by an individual who acquired it in April 2006.
Source: Nelson County records, as of June 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3902 LAKE BLVD, ANNANDALE, VA 22003-2319 |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 28, 2006 |
| Transfer Doc | 0000001700 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NELSON VA |
| Recording Date | Sep 24, 2025 |
| Property Address | 66 SPENCER LN, LOVINGSTON, VA 22949 |
| Document Number | 0202502142 |
| Instrument | 202502142 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3902 LAKE BLVD, ANNANDALE, VA 22003-2319 |
| Document Number | 0202502143 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 202502143 |
| Name | INTEGRITY HOME MORTGAGE CORP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2026 property tax bill for 66 Spencer Ln was $3,762.
Source: Nelson County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Nelson County |
| Unified School District | Nelson County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,762.00 | $971,700 (+21.17%) Land $385,100 Building $586,600 | $971,700 (+21.17%) Land $385,100 Building $586,600 |
| 2025 | $801,900 Land $386,000 Building $415,900 | $801,900 Land $386,000 Building $415,900 | |
| 2023 | $3,147.00 | $801,900 Land $386,000 Building $415,900 | $801,900 Land $386,000 Building $415,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 66 Spencer Ln in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 66 Spencer Ln is moderate, ranking above 48% 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 48% of the US · above 76% 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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