Albemarle County property record for 1149 Rustic Willow Ln, Charlottesville, VA 22911 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,810 sqft · built 2002 |
| Lot Size | 0.112 acres (4,879 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $419,000 (Mar 2026) |
| Tax Bill | $3,978 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046B6-00-0N-022A0 |
| Primary APN | 046B6-00-0N-022A0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,810 sqft Finished Area |
| Basement Area | 1,186 sqft |
| Unfinished Basement | 1,186 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 4,879 sqft (0.112 acres) |
| View / Lot | Proximity to Airport |
| Porch | Slab |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1149 RUSTIC WILLOW LN |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22911-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST LAKES SOUTH LOT 22A BLK N |
| Legal Subdivision | FOREST LAKES SOUTH |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10302 |
Source: Albemarle County records · APN 046B6-00-0N-022A0
Assessment roll updated June 15, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Mar 02, 2026 | Deed, Transfer · Conventional Mortgage BANK OF THE JAMES |
| May 26, 2022 | Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Aug 23, 2019 | Grant Deed, Transfer UNITED WHOLESALE MTG |
| Jan 03, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 02, 2026 · Amount on Record |
| Deed Sale | Mar 02, 2026 · Amount on Record |
| Prior Sale | May 26, 2022 · Amount on Record |
| Deed Document Number | 20261799 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | RELTCO INC |
| Name | Verified Name |
|---|
| Document Number | 005597/401 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 5597/401 |
| Instrument | 2021-00014713 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Mar 02, 2026 |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 202600001799 |
| Map Reference | MB 2258 PG 147 |
| Instrument Date | Feb 18, 2026 |
| Instrument | 202600001799 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 202600001800 |
|---|---|
| Date | Mar 02, 2026 |
| Instrument | 202600001800 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | May 26, 2022 |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 202200006364 |
| Map Reference | MB 2258 PG 147 |
| Instrument Date | May 12, 2022 |
| Instrument | 202200006364 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Title Company | RED FOX TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $405.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 202200006365 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 202200006365 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Jun 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 4.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | RELTCO INC |
| Name | Verified Name |
|---|
| Document Number | 5597/401 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 5597/401 |
| Instrument | 2021-00014713 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Aug 23, 2019 |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 0000009269 |
| Book / Page | 005210 / 000598 |
| Instrument Date | Aug 07, 2019 |
| Instrument | 9269 |
| Transaction Type | Transfer |
| Record Updated | Sep 09, 2019 |
| Title Company | COURT SQUARE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $274.13 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1149 RUSTIC WILLOW LN CHARLOTTESVILLE VA 229112219, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 9270 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | 005210/000601 |
| Instrument | 9270 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1149 RUSTIC WILLOW LN, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 0000000283 |
| Book / Page | 004863 / 000176 |
| Instrument Date | Jan 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2017 |
| Title Company | COURT SQUARE TITLE/CHARLOTTESV |
| Name | Verified Name |
|---|---|
| Address | 1149 RUSTIC WILLOW LN CHARLOTTESVILLE VA 229112219, CHARLOTTESVILLE, VA 22911-2219 |
| Document Number | 0000000283 |
|---|---|
| Date | Jan 09, 2017 |
| Book Page | 004863/000176 |
| Instrument | 283 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 08, 2047 |
Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,978.00 (+3.54%) | $445,000 (+3.54%) Land $99,000 Building $346,000 | $445,000 (+3.54%) Land $99,000 Building $346,000 |
| 2025 | $3,842.00 (+11.17%) | $429,800 (+6.2%) Land $99,000 Building $330,800 | $429,800 (+6.2%) Land $99,000 Building $330,800 |
| 2023 | $3,456.00 | $404,700 Land $86,500 Building $318,200 | $404,700 Land $86,500 Building $318,200 |
Source: FEMA National Flood Hazard Layer, Albemarle County (51003C), updated February 3, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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