1640 Delphi Dr, Charlottesville, VA 22911 Property Records

Albemarle County property record for 1640 Delphi Dr, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,636 sqft · built 2018
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Apr 2026)
Tax Bill	$4,210 (2026)
Deeds & Mortgages	Apr 2026 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078H0-00-02-22400`

Property Details

APN / Parcel Number

Primary APN	`078H0-00-02-22400`
Alternative APN	`312363`

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	1,742 sqft (0.04 acres)

Exterior Amenities

Porch	Slab
Porch Area	124 sqft
Deck Area	62 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	1640 DELPHI DR
City	CHARLOTTESVILLE
State	VA
Zip	22911-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASCADIA 224 BLK 2
Legal Subdivision	CASCADIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2013
Census Tract	10501

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	2 Individual Names on Record
Mailing Address	1153 JANAF PL, NORFOLK, VA 23502-2630
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed, Transfer TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY COMPAN
Oct 18, 2021	Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MTG
Aug 17, 2018	Deed of Trust, Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	20263866
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 24, 2026
Property Address	1640 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	0000003866
Instrument Date	Apr 22, 2026
Instrument	2026.3866
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount Recorded
Tax	$48,480.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1153 JANAF PL, NORFOLK, VA 23502-2630

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 18, 2021
Property Address	1640 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	5625/441
Book / Page	5625 / 441
Map Reference	MB 5009 PG 54-56
Instrument Date	Oct 12, 2021
Instrument	2021-00017493
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526

Mortgage

Document Number	202100017494
Date	Oct 18, 2021
Instrument	2021-00017494

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1640 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	0000002055
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1640 DELPHI DR CHARLOTTESVILLE VA 229113526, CHARLOTTESVILLE, VA 22911-3526

Mortgage

Document Number	0000002055
Date	Feb 24, 2020
Book Page	005280/000093
Instrument	2055

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1640 DELPHI DR, CHARLOTTESVILLE, VA 22911-3526
Document Number	0000009314
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018
Title Company	CHARLOTTESVILLE SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1640 DELPHI DR CHARLOTTESVILLE VA 229113526, CHARLOTTESVILLE, VA 22911-3526

Mortgage

Document Number	0000009314
Date	Aug 20, 2018
Book Page	005085/000544
Instrument	9314

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

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	$4,210.00 (-0.52%)	$470,900 (-0.53%) Land $123,000 Building $347,900	$470,900 (-0.53%) Land $123,000 Building $347,900
2025	$4,232.00 (+5.48%)	$473,400 (+0.74%) Land $113,000 Building $360,400	$473,400 (+0.74%) Land $113,000 Building $360,400
2023	$4,012.00	$469,900 Land $122,000 Building $347,900	$469,900 Land $122,000 Building $347,900

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	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

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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