Albemarle County property record for 1291 Mountain Rd, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,697 sqft · built 1996 |
| Lot Size | 3.71 acres (161,956 sqft) |
| Owner | Individual Name on File |
| Last Sale | $754,000 (Aug 2021) |
| Tax Bill | $8,187 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 057B0-00-00-002A4 |
| Primary APN | 057B0-00-00-002A4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,697 sqft Finished Area |
| Basement Area | 825 sqft |
| Finished Basement | 825 sqft |
| Family Room | Family Room |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 161,956 sqft (3.71 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Driveway | Paver Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 370 sqft |
| Deck Area | 390 sqft |
| Patio Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1291 MOUNTAIN RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-9212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | GLENAIRE 4 |
| Legal Subdivision | GLENAIRE |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 11000 |
1291 Mountain Rd is owned and occupied by an individual who bought it in August 2021.
Source: Albemarle County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF THE JAMES |
| Aug 20, 2021 | Deed, Transfer · Conventional Mortgage BANK OF THE JAMES |
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU |
| Apr 30, 2018 | Deed of Trust, Mortgage · Conventional with PMI PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on File |
| Deed Sale | Aug 20, 2021 · Amount on File |
| Deed Document Number | 202114527 |
| Deed Book / Page | 5595 / 450 |
| Prior Transfer Date | Feb 18, 2008 |
| Prior Transfer Doc | 201300004111 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 202500008352 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 202500008352 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Address | LYNCHBURG, VA 24504 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Aug 20, 2021 |
| Property Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 5595/450 |
| Book / Page | 5595 / 450 |
| Map Reference | MB 1263 PG 168 |
| Instrument Date | Aug 7, 2021 |
| Instrument | 2021-00014527 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $754.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 202100014528 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021-00014528 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Number | 005595/471 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 5595/471 |
| Instrument | 2021-00014529 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Address | HARRISONBURG, VA 22801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 0000016215 |
| Instrument Date | Nov 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2020 |
| Title Company | PRESTIGE TITLE AND ESCROW, PRESTIGE TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1291 MOUNTAIN RD CHARLOTTESVILLE VA 229019212, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 0000016215 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 005424/000416 |
| Instrument | 16215 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | TYSONS, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 11, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1291 MOUNTAIN RD, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 0000004852 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Title Company | PENFED TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1291 MOUNTAIN RD CHARLOTTESVILLE VA 229019212, CHARLOTTESVILLE, VA 22901-9212 |
| Document Number | 0000004852 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 005043/000511 |
| Instrument | 4852 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2048 |
The 2026 property tax bill for 1291 Mountain Rd was $8,187, up 3.1% from the year before.
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,187.00 (+3.15%) | $915,800 (+3.14%) Land $262,100 Building $653,700 | $915,800 (+3.14%) Land $262,100 Building $653,700 |
| 2025 | $7,937.00 | $887,900 Land $254,900 Building $633,000 | $887,900 Land $254,900 Building $633,000 |
| 2023 | $6,913.00 | $809,600 Land $247,900 Building $561,700 | $809,600 Land $247,900 Building $561,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1291 Mountain Rd in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 1291 Mountain Rd is low, with a 0.03% annual chance of 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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