972 Grayson Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 972 Grayson Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,704 sqft · built 1992
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (May 2026)
Tax Bill	$5,248 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`076R0-02-00-01300`

Property Details

APN / Parcel Number

Primary APN	`076R0-02-00-01300`
Alternative APN	`31957`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,704 sqft Finished Area
Basement Area	852 sqft
Finished Basement	852 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,502 sqft (0.287 acres)
View / Lot	Proximity to Airport
Garage Type	Detached
Garage Area	368 sqft

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	972 GRAYSON LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	REDFIELDS 13 PH-1B
Legal Subdivision	REDFIELDS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3014
Census Tract	11202

Owner

Source: Albemarle County records · APN 076R0-02-00-01300

Assessment roll updated June 15, 2026 · Last verified August 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 File
Mailing Address	972 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Deed Document Number	20265059
Prior Transfer Date	Mar 24, 2023
Prior Transfer Doc	0000006470
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 28, 2026
Property Address	972 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774
Document Number	0000005059
Instrument Date	May 18, 2026
Instrument	20265059
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$59,085.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	972 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774

Mortgage

Document Number	0000005060,
Date	May 28, 2026
Instrument	20265060

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,248.00 (+10.44%)	$587,000 (+12.58%) Land $190,000 Building $397,000	$587,000 (+12.58%) Land $190,000 Building $397,000
2025	$4,752.00 (+18.09%)	$521,400 (+10.63%) Land $170,000 Building $351,400	$521,400 (+10.63%) Land $170,000 Building $351,400
2023	$4,024.00	$471,300 Land $162,500 Building $308,800	$471,300 Land $162,500 Building $308,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ting Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Brightspeed.

Based on FCC filings for 294 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ACSA URBAN AREA serves 77,408 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.