913 Flat Waters Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 913 Flat Waters Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,850 sqft · built 2018
Lot Size	0.039 acres (1,699 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Sep 2020)
Tax Bill	$3,758 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-07-12300`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-07-12300`
Alternative APN	`304458`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,850 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	1,699 sqft (0.039 acres)
Garage Type	Detached
Garage Area	400 sqft
Porch	Slab
Porch Area	28 sqft
Deck Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	913 FLAT WATERS LN
City	CHARLOTTESVILLE
State	VA
Zip	22911-3659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NMD
Legal Description	CASCADIA LOT 123 BLK 7
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2014
Census Tract	10501

Owner

913 Flat Waters Ln is owned and occupied by an individual who bought it in September 2020.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	913 FLAT WATERS LN, CHARLOTTESVILLE, VA 22911-3659
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
Sep 24, 2020	Grant Deed, Transfer · Conventional Mortgage WINTRUST MTG
Mar 30, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN
Dec 11, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Dec 11, 2017 · Amount on File
Deed Document Number	202013314
Deed Book / Page	5394 / 563
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 24, 2020
Property Address	913 FLAT WATERS LN, CHARLOTTESVILLE, VA 22911-3659
Document Number	0000013314
Book / Page	005394 / 000563
Instrument Date	Sep 22, 2020
Instrument	13314
Transaction Type	Transfer
Record Updated	Oct 5, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 FLAT WATERS LN CHARLOTTESVILLE VA 229113659, CHARLOTTESVILLE, VA 22911-3659

Mortgage

Document Number	13315
Date	Sep 24, 2020
Book Page	005394/000566
Instrument	13315

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 30, 2018
Property Address	913 FLAT WATERS LN, CHARLOTTESVILLE, VA 22911-3659
Document Number	0000003260
Book / Page	005029 / 000124
Instrument Date	Mar 14, 2018
Instrument	3260
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 1, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.92
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 FLAT WATER LN CHARLOTTESVILLE VA 229113659, CHARLOTTESVILLE, VA 22911-3659

Mortgage

Document Number	3261
Date	Mar 30, 2018
Book Page	005029/000128
Instrument	3261

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 11, 2017
Property Address	913 FLAT WATERS LN, CHARLOTTESVILLE, VA 22911-3659
Document Number	0000014302
Book / Page	004993 / 000023
Instrument Date	Dec 5, 2017
Instrument	14302
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$680.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1885 SEMINOLE TRL #201 CHARLOTTESVILLE VA 229011160, 201, CHARLOTTESVILLE, VA 22901-1160
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 913 Flat Waters Ln was $3,758, down 5.7% 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	$3,758.00 (-5.67%)	$420,400 (-5.68%) Land $123,000 Building $297,400	$420,400 (-5.68%) Land $123,000 Building $297,400
2025	$3,984.00	$445,700 Land $113,000 Building $332,700	$445,700 Land $113,000 Building $332,700
2023	$3,685.00	$431,600 Land $122,000 Building $309,600	$431,600 Land $122,000 Building $309,600

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

Flood

FEMA maps place 913 Flat Waters 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	7 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 913 Flat Waters Ln is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ACSA URBAN AREA serves 77,408 people · EPA ID VA2003053
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000

May also be available: Brightspeed, T-Mobile, Verizon.

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