1075 Old Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1075 Old Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,150 sqft · built 1976
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$2,050,000 (Jun 2023)
Tax Bill	$16,447 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06000-00-00-004F0`

Property Details

APN / Parcel Number

Primary APN	`06000-00-00-004F0`
Alternative APN	`20434`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,150 sqft Finished Area
Basement Area	1,238 sqft
Finished Basement	743 sqft
Unfinished Basement	495 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2005
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	130,680 sqft (3 acres)
View / Lot	Flood Plain/Flood Zone
Garage Type	Detached
Garage Area	484 sqft
Driveway	Paver Driveway
Porch	Slab
Porch Area	207 sqft
Patio Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	1075 OLD GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1022
Census Tract	10802

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	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 26, 2023	Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Deed Document Number	20235316
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 13, 2026
Property Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936
Document Number	0000003363
Instrument Date	Apr 7, 2026
Instrument	20263363
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936

Mortgage

Document Number	0000003363,
Date	Apr 13, 2026
Instrument	20263363

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936

Mortgage

Document Number	202300009060
Date	Oct 25, 2023
Instrument	202300009060

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 26, 2023
Property Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936
Document Number	202300005316
Map Reference	MB 770 PG 704
Instrument Date	Jun 15, 2023
Instrument	202300005316
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$2,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1075 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1936
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200006586
Date	Jun 1, 2022
Instrument	202200006586

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

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	$16,447.00 (+9.8%)	$1,839,700 (+9.79%) Land $550,000 Building $1,289,700	$1,839,700 (+9.79%) Land $550,000 Building $1,289,700
2025	$14,979.00 (+173.59%)	$1,675,600 (+30.66%) Land $474,400 Building $1,201,200	$1,675,600 (+30.66%) Land $474,400 Building $1,201,200
2023	$5,475.00 (-40.09%)	$1,282,400 Land $350,700 Building $931,700	$1,282,400 Land $350,700 Building $931,700
2022	$9,139.00

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 A, 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	0.02% 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 56 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: AT&T, Brightspeed.

Cell Coverage

5G and 4G LTE (outdoors only)

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