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1649 Cool Spring Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1649 Cool Spring Rd, Charlottesville, VA 22901

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,324 sqft · built 1984
Lot Size0.037 acres (1,639 sqft)
Owner2 Individual Names on Record
Last Sale$316,000 (Nov 2025)
Tax Bill$2,841 (2026)
Deeds & MortgagesNov 2025 Sale & Mortgage
Mar 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN061B0-03-0Q-00200

Property Details

APN / Parcel Number

Primary APN061B0-03-0Q-00200
Alternative APN
  • 23418

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths2 Half Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,324 sqft Finished Area
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area1,639 sqft (0.037 acres)
View / LotProximity to Airport
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas
SewerConnected

Location & Zoning

Street Address1649 COOL SPRING RD
CityCHARLOTTESVILLE
StateVA
Zip22901-1379
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10 RESIDE
Legal DescriptionTOWNWOOD 3 Q 2
Legal SubdivisionTOWNWOOD
JurisdictionALBEMARLE VA
Township / Civil DivisionRIO
Census Block Group2
Census Block2000
Census Tract10702

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 Record2 Individual Names on Record
Mailing Address1649 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 21, 2025Deed, Transfer · Conventional Mortgage
PREMIER MORTGAGE RESOURCES LLC
Mar 6, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Dec 20, 2018Grant Deed, Transfer · Conventional Mortgage
FIDELITY BK MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 21, 2025 · Amount on Record
Deed SaleNov 21, 2025 · Amount on Record
Prior SaleDec 20, 2018 · Amount on Record
Deed Document Number202511085
Record UpdatedSep 20, 2026

November 2025: Deed, Transfer

Document TypeDeed
JurisdictionALBEMARLE VA
Recording DateNov 21, 2025
Property Address1649 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379
Document Number202500011085
Map ReferenceMB 783 PG 261
Instrument DateNov 7, 2025
Instrument202500011085
Transaction TypeTransfer
Record UpdatedDec 19, 2025
Title CompanyREPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$316.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1649 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379

Mortgage

Document Number202500011086
DateNov 21, 2025
Instrument202500011086
Lender
NamePREMIER MORTGAGE RESOURCES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALBEMARLE VA
Property Address1649 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379
Document Number0000002761
Instrument DateMar 6, 2020
Transaction TypeMortgage
Record UpdatedApr 29, 2020
Title CompanyHIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address1649 COOL SPRING RD CHARLOTTESVILLE VA 229011379, CHARLOTTESVILLE, VA 22901-1379

Mortgage

Document Number0000002761
DateMar 11, 2020
Book Page005287/000214
Instrument2761
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 10, 2050

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionALBEMARLE VA
Recording DateDec 20, 2018
Property Address1649 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379
Document Number0000013839
Book / Page005124 / 000216
Instrument DateDec 13, 2018
Instrument13839
Transaction TypeTransfer
Record UpdatedJan 25, 2019
Title CompanyCHARLOTTESVILLE SETTLEMENT COMPANY, CHARLOTTESVILLE SETTLEMENT CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$194.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address1649 COOL SPRING RD CHARLOTTESVILLE VA 229011379, CHARLOTTESVILLE, VA 22901-1379

Mortgage

Document Number13840
DateDec 20, 2018
Book Page005124/000219
Instrument13840
Lender
NameFIDELITY BK MTG
TypeBank
AddressATLANTA, GA 30329
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 19, 2048

Tax Assessment & Valuation

Source: Albemarle County assessment roll, as of June 15, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyAlbemarle County
Unified School DistrictAlbemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,841.00 (+2.6%)$317,800 (+2.58%) Land $90,000 Building $227,800$317,800 (+2.58%) Land $90,000 Building $227,800
2025$2,769.00 (+12.56%)$309,800 (+7.53%) Land $85,000 Building $224,800$309,800 (+7.53%) Land $85,000 Building $224,800
2023$2,460.00$288,100 Land $67,500 Building $220,600$288,100 Land $67,500 Building $220,600

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

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

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemACSA URBAN AREA
serves 77,408 people · EPA ID VA2003053
Water SourcePurchased surface water from several systems
Last State InspectionMay 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 481 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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