831 Pine Trl, Lovingston, VA 22949 Property Records

Nelson County property record for 831 Pine Trl, Lovingston, VA 22949

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,036 sqft · built 2006
Lot Size	12.9 acres (564,102 sqft)
Owner	Individual Name on File
Last Sale	$579,000 (Jun 2021)
Tax Bill	$3,663 (2026)
Deeds & Mortgages	May 2020 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`45 A 54`

Property Details

APN / Parcel Number

Primary APN	`45 A 54`
Alternative APN	`11608`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,036 sqft Finished Area
Basement Area	2,036 sqft
Unfinished Basement	2,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	564,102 sqft (12.9 acres)
Terrain	High
Garage Type	Mixed
Garage Area	679 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	330 sqft
Deck Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	11608
Street Address	831 PINE TRL
City	LOVINGSTON
State	VA
Zip	22949-2460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Description	BRIDGWATER DB 175/260
Legal Subdivision	BRIDGWATER
Jurisdiction	NELSON VA
Township / Civil Division	EAST
Census Block Group	1
Census Block	1024
Census Tract	950102

Owner

831 Pine Trl is owned and occupied by an individual who bought it in June 2021.

Source: Nelson County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	831 PINE TRL, LOVINGSTON, VA 22949-2460
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
May 20, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Jun 30, 2021	Deed, Transfer · Stand-Alone First Mortgage FIRST CITIZEN B&T CO
Jan 21, 2020	Quit Claim Deed, Transfer Quitclaim
Apr 27, 2018	Deed, Transfer · VA Mortgage WATESTONE MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	20212414
Prior Transfer Date	Jan 18, 2020
Prior Transfer Doc	202000145
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	831 PINE TRL, LOVINGSTON, VA 22949-2460
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202001288
Date	May 20, 2020
Instrument	202001288

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate	3.38%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Jun 30, 2021
Property Address	831 PINE TRL, LOVINGSTON, VA 22949-2460
Document Number	202102414
Instrument Date	Jun 29, 2021
Instrument	202102414
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	728 LEE AVE, FREDERICKSBURG, VA 22401-5728
Investor	Possibly a Property Investor

Mortgage

Document Number	0202102415
Date	Jun 30, 2021
Instrument	202102415

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NELSON VA
Recording Date	Jan 21, 2020
Property Address	831 PINE TRL, LOVINGSTON, VA 22949-2460
Document Number	202000145
Instrument Date	Jan 18, 2020
Instrument	202000145
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 PINE TRL, LOVINGSTON, VA 22949-2460

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Apr 27, 2018
Property Address	831 PINE TRL, LOVINGSTON, VA 22949-2460
Document Number	000180000884
Instrument Date	Apr 24, 2018
Instrument	000180000884
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 PINE TRL, LOVINGSTON, VA 22949-2460

Mortgage

Document Number	000180000885
Date	Apr 27, 2018
Instrument	000180000885

Lender

Name	WATESTONE MTG CORP

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 831 Pine Trl was $3,663, up 1% from the year before.

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Nelson County
Unified School District	Nelson County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,663.00 (+1.05%)	$654,200 (+17.28%) Land $116,100 Building $538,100	$654,200 (+17.28%) Land $116,100 Building $538,100
2025	$3,625.00	$557,800 Land $113,700 Building $444,100	$557,800 Land $113,700 Building $444,100
2023	$3,625.00	$557,800 Land $113,700 Building $444,100	$557,800 Land $113,700 Building $444,100

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

Flood

FEMA maps place 831 Pine Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 831 Pine Trl is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 74% of Virginia
Wildfire Likelihood	0.08% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: RiverStreet Networks.

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