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978 Grayson Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 978 Grayson Ln, Charlottesville, VA 22903 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,091 sqft · built 1999
Lot Size0.261 acres (11,369 sqft)
OwnerIndividual Name on File
Last Sale$425,000 (Jul 2020)
Tax Bill$5,805 (2026)
Deeds & MortgagesFeb 2024 Line of Credit
Jul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN076R0-02-00-01400

Property Details

APN / Parcel Number

Primary APN076R0-02-00-01400
Alternative APN
  • 31958

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,091 sqft Finished Area
Family RoomFamily Room
FlooringWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2020
Exterior MaterialComposition/Composite
Construction TypeWood
Roof MaterialWood
Lot Area11,369 sqft (0.261 acres)
View / LotProximity to Airport
Garage Area498 sqft
PorchSlab
Porch Area21 sqft
Patio Area210 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas
SewerConnected

Location & Zoning

Street Address978 GRAYSON LN
CityCHARLOTTESVILLE
StateVA
Zip22903-9774
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREDFIELDS 14 PH 1B
Legal SubdivisionREDFIELDS
JurisdictionALBEMARLE VA
Township / Civil DivisionSAMUEL MILLER
Census Block Group3
Census Block3014
Census Tract11202

Owner

Source: Albemarle County records · APN 076R0-02-00-01400

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 RecordIndividual Name on File
Mailing Address978 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2024Deed of Trust, Mortgage · Line of Credit
UNIVERSITY OF VIRGINIA COMMUNITY CU
Jul 10, 2020Grant Deed, Transfer · Conventional with PMI
FIRST HERITAGE MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 10, 2020 · Amount on Record
Deed SaleJul 10, 2020 · Amount on Record
Deed Document Number20208623
Deed Book / Page5347 / 462
Record UpdatedSep 20, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALBEMARLE VA
Property Address978 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774
Transaction TypeMortgage
Record UpdatedMar 12, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202400001197
DateFeb 16, 2024
Instrument202400001197
Lender
NameUNIVERSITY OF VIRGINIA COMMUNITY CU
TypeCredit Union
AddressCHARLOTTESVILLE, VA 22901
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 15, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionALBEMARLE VA
Recording DateJul 10, 2020
Property Address978 GRAYSON LN, CHARLOTTESVILLE, VA 22903-9774
Document Number0000008623
Book / Page005347 / 000462
Instrument DateJun 25, 2020
Instrument8623
Transaction TypeTransfer
Record UpdatedAug 19, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$425.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address978 GRAYSON LN CHARLOTTESVILLE VA 229039774, CHARLOTTESVILLE, VA 22903-9774

Mortgage

Document Number8624
DateJul 10, 2020
Book Page005347/000465
Instrument8624
Lender
NameFIRST HERITAGE MTG
TypeMortgage Company
AddressFAIRFAX, VA 22030
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 09, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateVirginia
CountyAlbemarle County
Unified School DistrictAlbemarle 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.

YearTax BillAssessed ValueAssessed Market Value
2026$5,805.00 (+11.53%)$649,300 (+11.51%) Land $190,000 Building $459,300$649,300 (+11.51%) Land $190,000 Building $459,300
2025$5,205.00 (+23.11%)$582,300 (+17.61%) Land $170,000 Building $412,300$582,300 (+17.61%) Land $170,000 Building $412,300
2023$4,228.00$495,100 Land $162,500 Building $332,600$495,100 Land $162,500 Building $332,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albemarle County (51003C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510030112023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 3 individual NFIP policies nearby
Nearby Flood Policies3 in force
3 of 3 on primary residences

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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