1148 Rustic Willow Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1148 Rustic Willow Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,038 sqft · built 2002
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (May 2024)
Tax Bill	$5,287 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046B6-00-0N-00900`

Property Details

APN / Parcel Number

Primary APN	`046B6-00-0N-00900`
Alternative APN	`13536`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,038 sqft Finished Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	11,500 sqft (0.264 acres)
View / Lot	Proximity to Airport
Garage Area	400 sqft
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1148 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 9
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	1148 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Bargain and Sale Deed, Transfer · VA Mortgage ALCOVA MORTGAGE LLC
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 21, 2019	Grant Deed, Transfer · Line of Credit BLUE RIDGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2024 · Amount on Record
Deed Sale	May 14, 2024 · Amount on Record
Prior Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	20243744
Record Updated	Sep 20, 2026

October 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 17, 2023
Property Address	1148 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	202300008870
Map Reference	MB 2083 PG 565
Instrument Date	Sep 26, 2023
Instrument	202300008870
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$479.50
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	1148 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	202300008871
Date	Oct 17, 2023
Instrument	202300008871

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1148 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	0000010858
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 RUSTIC WILLOW LN CHARLOTTESVILLE VA 229112219, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	0000010858
Date	Aug 17, 2020
Book Page	005369/000712
Instrument	10858

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 16, 2040

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 21, 2019
Property Address	1148 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219
Document Number	0000006302
Book / Page	005182 / 000018
Instrument Date	Jun 12, 2019
Instrument	6302
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	CLOSURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.50
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	1148 RUSTIC WILLOW LN CHARLOTTESVILLE VA 229112219, CHARLOTTESVILLE, VA 22911-2219

Mortgage

Document Number	6303
Date	Jun 21, 2019
Book Page	005182/000021
Instrument	6303

Lender

Name	BLUE RIDGE BK
Type	Bank
Address	LURAY, VA 22835

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2049

Interest

Rate Type	Adjustable Rate

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	$5,287.00 (+4.55%)	$591,400 (+4.54%) Land $177,000 Building $414,400	$591,400 (+4.54%) Land $177,000 Building $414,400
2025	$5,057.00 (+46.07%)	$565,700 (+39.54%) Land $157,000 Building $408,700	$565,700 (+39.54%) Land $157,000 Building $408,700
2023	$3,462.00	$405,400 Land $140,000 Building $265,400	$405,400 Land $140,000 Building $265,400

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 200 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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