966 Towne Ln, Charlottesville, VA 22901 Property Records

Albemarle County property record for 966 Towne Ln, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,350 sqft · built 1997
Lot Size	0.038 acres (1,651 sqft)
Owner	Individual Name on Record
Last Sale	$263,000 (Oct 2021)
Tax Bill	$2,737 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061A0-05-00-01600`

Property Details

APN / Parcel Number

Primary APN	`061A0-05-00-01600`
Alternative APN	`23081`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,350 sqft Finished Area
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,651 sqft (0.038 acres)
View / Lot	Proximity to Airport
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	966 TOWNE LN
City	CHARLOTTESVILLE
State	VA
Zip	22901-7002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	VILLAGE SQUARE, THE 16 PH-III
Legal Subdivision	VILLAGE SQUARE THE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	3
Census Block	3002
Census Tract	10602

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	966 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed, Transfer · FHA Mortgage BLUE RIDGE BANK
Apr 16, 2019	Grant Deed, Transfer · FHA Mortgage WATERSTONE MTG
Apr 9, 2019	Quit Claim Deed, Transfer CLOSURE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	202117796
Deed Book / Page	5628 / 595
Prior Transfer Date	Feb 20, 2019
Prior Transfer Doc	0000003145
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 22, 2021
Property Address	966 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Document Number	5628/595
Book / Page	5628 / 595
Map Reference	MB 864 PG 352
Instrument Date	Oct 5, 2021
Instrument	2021-00017796
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	966 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002

Mortgage

Document Number	202100017797
Date	Oct 22, 2021
Instrument	2021-00017797

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	5628/613
Date	Oct 22, 2021
Book Page	5628/613
Instrument	2021-00017798

Lender

Name	BLUE RIDGE BANK
Type	Bank
Address	GREENSBORO, NC 27408

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 16, 2019
Property Address	966 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Document Number	0000003377
Book / Page	005154 / 000735
Instrument Date	Apr 8, 2019
Instrument	3377
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	CLOSURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	966 TOWNE LN CHARLOTTESVILLE VA 229017002, CHARLOTTESVILLE, VA 22901-7002

Mortgage

Document Number	3378
Date	Apr 16, 2019
Book Page	005154/000738
Instrument	3378

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 9, 2019
Property Address	966 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Document Number	0000003145
Book / Page	005152 / 000744
Instrument Date	Feb 20, 2019
Instrument	3145
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	CLOSURE TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	966 TOWNE LN CHARLOTTESVILLE VA 229017002, CHARLOTTESVILLE, VA 22901-7002

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	$2,737.00 (+8.22%)	$306,200 (+17%) Land $96,000 Building $210,200	$306,200 (+17%) Land $96,000 Building $210,200
2025	$2,529.00 (+13.21%)
2023	$2,234.00	$261,700 Land $78,400 Building $183,300	$261,700 Land $78,400 Building $183,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, 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

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	Direct burnable vegetation

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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ting.

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