1445 Gray Stone Ct, Charlottesville, VA 22902 Property Records

Albemarle County property record for 1445 Gray Stone Ct, Charlottesville, VA 22902 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Architecture Style	Traditional
Year Built	Built 1988
Square Footage	1,759 sqft Finished Area
Lot Size	16,640 sqft (0.382 acres)
Tax Bill	$4,499.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`090C0-00-00-05100`
Alternative APN	`36844`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	5 Rooms
Building Area	1,759 sqft Finished Area
Basement Area	987 sqft Basement
Unfinished Basement	987 sqft Unfinished
Stories	2 Stories
Primary Flooring	Parquet Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Traditional Style
Exterior Material	Wood Siding Exterior
Construction Type	Wood Construction
Roof Material	Wood Roof
Lot Area	16,640 sqft (0.382 acres)
Porch Area	307 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	1445 GRAY STONE CT
City	CHARLOTTESVILLE
State	VA
Zip	22902-8793
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MILL CREEK 2 51 PH-1
Legal Subdivision	MILL CREEK
Jurisdiction	ALBEMARLE VA
Minor Civil Division	SCOTTSVILLE
Census Blockgroup	2
Census Block	2006
Census Tract	11303

Owner

Source: Albemarle County records · APN 090C0-00-00-05100

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	Company Name on File
Mailing Address	1445 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8793
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Oct 27, 2010
Transfer Doc	3952/145
Record Refreshed	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1445 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8793
Transaction Type	Mortgage
Record Updated	Apr 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 GRAY STONE CT, CHARLOTTESVILLE, VA 22902-8793

Mortgage

Document Number	5499/20
Date	Mar 16, 2021
Book Page	5499/20
Instrument	2021-00004498

Lender

Name	UBANK
Type	Bank
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Albemarle County
Unified School District	Albemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

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	$4,499.00 (+9.92%)	$503,200 (+9.89%) Land $200,000 Building $303,200	$503,200 (+9.89%) Land $200,000 Building $303,200
2025	$4,093.00 (+10.26%)	$457,900 (+5.34%) Land $144,000 Building $313,900	$457,900 (+5.34%) Land $144,000 Building $313,900
2023	$3,712.00	$434,700 Land $144,000 Building $290,700	$434,700 Land $144,000 Building $290,700

Flood & Wildfire

1445 Gray Stone Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Albemarle County (51003C), updated February 3, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 29th in Virginia
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.