1638 Delphi Dr, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1638 Delphi Dr, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,636 sqft · built 2018
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on File
Last Sale	$452,500 (Aug 2022)
Tax Bill	$4,373 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-02-22300`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-02-22300`
Alternative APN	`312362`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,636 sqft Finished Area
Basement Area	818 sqft
Finished Basement	529 sqft
Unfinished Basement	289 sqft
Family Room	Family Room

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	2,701 sqft (0.062 acres)
Porch	Slab
Porch Area	124 sqft
Deck Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	1638 DELPHI DR
City	CHARLOTTESVILLE
State	VA
Zip	22911-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASCADIA 223 BLK 2
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2013
Census Tract	10501

Owner

1638 Delphi Dr is owned and occupied by an individual who bought it in August 2022.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	1638 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 26, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage TOWNE FIRST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Oct 26, 2018 · Amount on File
Deed Document Number	20229839
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 15, 2022
Property Address	1638 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	202200009839
Map Reference	MB 5009 PG 54-56
Instrument Date	Jul 31, 2022
Instrument	202200009839
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526

Mortgage

Document Number	202200009840
Date	Aug 15, 2022
Instrument	202200009840

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1638 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5605/288
Date	Sep 9, 2021
Book Page	5605/288
Instrument	2021-00015495

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	146 Months
Due	Nov 1, 2033

October 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 26, 2018
Property Address	1638 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	0000011993
Book / Page	005108 / 000058
Instrument Date	Oct 10, 2018
Instrument	11993
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 14, 2018
Title Company	COURT SQUARE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.90
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	1638 DELPHI DR CHARLOTTESVILLE VA 229113526, CHARLOTTESVILLE, VA 22911-3526

Mortgage

Document Number	11994
Date	Oct 26, 2018
Book Page	005108/000061
Instrument	11994

Lender

Name	TOWNE FIRST MTG
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 25, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 1638 Delphi Dr was $4,373, down 0.9% from the year before.

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	$4,373.00 (-0.86%)	$489,200 (-0.87%) Land $135,300 Building $353,900	$489,200 (-0.87%) Land $135,300 Building $353,900
2025	$4,411.00	$493,500 Land $124,300 Building $369,200	$493,500 Land $124,300 Building $369,200
2023	$4,099.00	$480,000 Land $134,200 Building $345,800	$480,000 Land $134,200 Building $345,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1638 Delphi Dr 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	7 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

Wildfire risk around 1638 Delphi Dr is low, with a 0.01% 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	0.01% 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 220 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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