1055 Rustling Oaks Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1055 Rustling Oaks Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,901 sqft · built 2000
Lot Size	4.15 acres (180,774 sqft)
Owner	Individual Name on Record
Last Sale	$1,700,000 (Mar 2018)
Tax Bill	$22,633 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04400-00-00-031H6`

Property Details

APN / Parcel Number

Primary APN	`04400-00-00-031H6`
Alternative APN	`9577`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,901 sqft Finished Area
Basement Area	2,166 sqft
Finished Basement	1,879 sqft
Unfinished Basement	287 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Metal
Lot Area	180,774 sqft (4.15 acres)
Garage Area	756 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Type	Pool Type
Pool Area	264 sqft
Porch	Slab
Porch Area	911 sqft
Patio Area	959 sqft
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	1055 RUSTLING OAKS DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	RUSTLING OAKS 7
Legal Subdivision	RUSTLING OAKS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1021
Census Tract	10202

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	1055 RUSTLING OAKS DR, CHARLOTTESVILLE, VA 22901-8001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 18, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 16, 2018	Grant Deed, Transfer BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Prior Sale	Sep 29, 2015
Deed Document Number	20182643
Deed Book / Page	5023 / 454
Last Transfer Date	May 9, 2019
Transfer Doc	5164/500
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1055 RUSTLING OAKS DR, CHARLOTTESVILLE, VA 22901-8001
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5498/26
Date	Mar 15, 2021
Book Page	5498/26
Instrument	2021-00004403

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Margin	2
Max Rate	7.62%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1055 RUSTLING OAKS DR, CHARLOTTESVILLE, VA 22901-8001
Document Number	0000011472
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1055 RUSTLING OAKS DR CHARLOTTESVILLE VA 229018001, CHARLOTTESVILLE, VA 22901-8001

Mortgage

Document Number	0000011472
Date	Aug 26, 2020
Book Page	005376/000053
Instrument	11472

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2050

Interest

Rate Type	Adjustable Rate

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 16, 2018
Property Address	1055 RUSTLING OAKS DR, CHARLOTTESVILLE, VA 22901-8001
Document Number	0000002643
Book / Page	005023 / 000454
Instrument Date	Mar 9, 2018
Instrument	2643
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1055 RUSTLING OAKS DR CHARLOTTESVILLE VA 229018001, CHARLOTTESVILLE, VA 22901-8001

Mortgage

Document Number	2644
Date	Mar 16, 2018
Book Page	005023/000458
Instrument	2644

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

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	$22,633.00 (+2.48%)	$2,531,700 (+2.48%) Land $581,900 Building $1,949,800	$2,531,700 (+2.48%) Land $581,900 Building $1,949,800
2025	$22,086.00 (+22.36%)	$2,470,500 (+16.89%) Land $501,900 Building $1,968,600	$2,470,500 (+16.89%) Land $501,900 Building $1,968,600
2023	$18,050.00	$2,113,600 Land $371,100 Building $1,742,500	$2,113,600 Land $371,100 Building $1,742,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Firefly Fiber Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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