1436 Gray Stone Ct, Charlottesville, VA 22902 Property Records

Albemarle County property record for 1436 Gray Stone Ct, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1988
Lot Size	0.365 acres (15,899 sqft)
Owner	Company Name on Record
Last Sale	$449,000 (Sep 2022)
Tax Bill	$4,634 (2026)
Deeds & Mortgages	Sep 2022 Sale & Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090C0-00-00-07100`

Property Details

APN / Parcel Number

Primary APN	`090C0-00-00-07100`
Alternative APN	`36864`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,608 sqft Finished Area
Flooring	Parquet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	15,899 sqft (0.365 acres)
Porch	Slab
Porch Area	120 sqft
Patio Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	1436 GRAY STONE CT
City	CHARLOTTESVILLE
State	VA
Zip	22902-8792
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	MILL CREEK 2 71 PH-1
Legal Subdivision	MILL CREEK
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	2
Census Block	2006
Census Tract	11303

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	Company Name on Record
Mailing Address	425 LOCUST AVE, 201, CHARLOTTESVILLE, VA 22902-4822
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed, Transfer · Line of Credit VIRGINIA NATIONAL BANK
Apr 12, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Prior Sale	Dec 14, 2010 · Amount on Record
Deed Document Number	202210816
Prior Transfer Date	Apr 11, 2017
Prior Transfer Doc	0000004070
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 9, 2022
Property Address	1436 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8792
Document Number	202200010816
Map Reference	MB 974 PG 358-365
Instrument Date	Aug 30, 2022
Instrument	202200010816
Transaction Type	Transfer
Record Updated	Oct 7, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$449.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1436 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8792

Mortgage

Document Number	202200010817
Date	Sep 9, 2022
Instrument	202200010817

Lender

Name	VIRGINIA NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 12, 2017
Property Address	1436 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8792
Document Number	0000004070
Book / Page	004896 / 000004
Instrument Date	Feb 23, 2017
Instrument	4070
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1436 GRAY STONE CT CHARLOTTESVILLE VA 229028792, CHARLOTTESVILLE, VA 22902-8792

Mortgage

Document Number	4071
Date	Apr 12, 2017
Book Page	004896/000007
Instrument	4071

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

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	$4,634.00 (+2.25%)	$518,300 (+10.16%) Land $200,000 Building $318,300	$518,300 (+10.16%) Land $200,000 Building $318,300
2025	$4,532.00 (+25.57%)	$470,500 (+11.33%) Land $144,000 Building $326,500	$470,500 (+11.33%) Land $144,000 Building $326,500
2023	$3,609.00	$422,600 Land $144,000 Building $278,600	$422,600 Land $144,000 Building $278,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	0.01% 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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