1131 Rustic Willow Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1131 Rustic Willow Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,488 sqft · built 2004
Lot Size	0.102 acres (4,443 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Jun 2026)
Tax Bill	$3,343 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046B6-00-0N-025A0`

Property Details

APN / Parcel Number

Primary APN	`046B6-00-0N-025A0`
Alternative APN	`13563`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,488 sqft Finished Area
Basement Area	744 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	4,443 sqft (0.102 acres)
View / Lot	Proximity to Airport
Porch	Slab
Porch Area	102 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1131 RUSTIC WILLOW LN
City	CHARLOTTESVILLE
State	VA
Zip	22911-2219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	FOREST LAKES SOUTH N 25A
Legal Subdivision	FOREST LAKES SOUTH
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1002
Census Tract	10302

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	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS
Jun 15, 2023	Deed, Transfer · Conventional Mortgage MEMBERS OPTIONS LLC
Jul 19, 2019	Grant Deed, Transfer · Conventional Mortgage ATLANTIC COAST MTG
Jun 13, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jun 15, 2023 · Amount on Record
Deed Document Number	20266126
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 22, 2026
Property Address	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	0000006126
Instrument Date	Jun 12, 2026
Instrument	20266126
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,410.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	0000006127,
Date	Jun 22, 2026
Instrument	20266127

Lender

Name	EMBRACE HOME LOANS

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 15, 2023
Property Address	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	202300004995
Map Reference	MB 2641 PG 446&447
Instrument Date	Jun 6, 2023
Instrument	202300004995
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	202300004997
Date	Jun 15, 2023
Instrument	202300004997

Lender

Name	MEMBERS OPTIONS LLC
Type	Non-Lending Institution

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year T-Bill
Max Rate	10%

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 19, 2019
Property Address	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	0000007631
Book / Page	005196 / 000109
Instrument Date	Jul 12, 2019
Instrument	7631
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	CLOSURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
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	1131 RUSTIC WILLOW LN CHARLOTTESVILLE VA 229112219, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	7632
Date	Jul 19, 2019
Book Page	005196/000112
Instrument	7632

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 13, 2019
Property Address	1131 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	0000005912
Book / Page	005178 / 000234
Instrument Date	May 31, 2019
Instrument	5912
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2118 SHEPHERDS RIDGE RD CHARLOTTESVILLE VA 229010663, CHARLOTTESVILLE, VA 22901-0663

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	$3,343.00 (+0.57%)	$373,900 (+0.54%) Land $99,000 Building $274,900	$373,900 (+0.54%) Land $99,000 Building $274,900
2025	$3,324.00 (+136.92%)	$371,900 (+13.11%) Land $99,000 Building $272,900	$371,900 (+13.11%) Land $99,000 Building $272,900
2023	$1,403.00 (-46.96%)	$328,800 Land $86,500 Building $242,300	$328,800 Land $86,500 Building $242,300
2022	$2,645.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ting Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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