986 Towne Ln, Charlottesville, VA 22901 Property Records

Albemarle County property record for 986 Towne Ln, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,352 sqft · built 1999
Lot Size	0.038 acres (1,651 sqft)
Owner	Individual Name on Record
Last Sale	$176,845 (Jan 2018)
Tax Bill	$2,737 (2026)
Deeds & Mortgages	Jan 2018 Sale & Mortgage Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`061A0-05-00-00700`

Property Details

APN / Parcel Number

Primary APN	`061A0-05-00-00700`
Alternative APN	`23072`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,352 sqft Finished Area
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	986 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 7 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	986 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOUSING & CMNTY DEV DEPT
Feb 3, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Prior Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	2018649
Deed Book / Page	5005 / 707
Record Updated	Sep 20, 2026

January 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 19, 2018
Property Address	986 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Document Number	0000000649
Book / Page	005005 / 000707
Instrument Date	Jan 17, 2018
Instrument	649
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.84
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	986 TOWNE LN CHARLOTTESVILLE VA 229017002, CHARLOTTESVILLE, VA 22901-7002

Mortgage

Document Number	651
Date	Jan 19, 2018
Book Page	005005/000728
Instrument	651

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	RICHMOND, VA 23219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	650,
Date	Jan 19, 2018
Book Page	005005/000709
Instrument	650

Lender

Name	GREATER CHARLOTTESVILLE HABITA
Address	PO BOX 7305, CHARLOTTESVILLE, VA 22906-7305

Agreement

Amount	Amount Recorded

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 3, 2017
Property Address	986 TOWNE LN, CHARLOTTESVILLE, VA 22901-7002
Document Number	0000001472
Book / Page	004873 / 000301
Instrument Date	Feb 1, 2017
Instrument	1472
Transaction Type	Transfer
Record Updated	May 8, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	919 W MAIN ST CHARLOTTESVILLE VA 229032846, CHARLOTTESVILLE, VA 22903-2846

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 (+8.18%)	$306,100 (+8.12%) Land $96,000 Building $210,100	$306,100 (+8.12%) Land $96,000 Building $210,100
2025	$2,530.00 (+13.2%)	$283,100 (+8.14%) Land $88,200 Building $194,900	$283,100 (+8.14%) Land $88,200 Building $194,900
2023	$2,235.00 (+13.97%)	$261,800 Land $78,400 Building $183,400	$261,800 Land $78,400 Building $183,400
2022	$1,961.00

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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