Albemarle County property record for 1651 Cool Spring Rd, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 1984 |
| Lot Size | 0.062 acres (2,710 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,357 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061B0-03-0Q-00100 |
| Primary APN | 061B0-03-0Q-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Finished Area |
| Flooring | Parquet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,710 sqft (0.062 acres) |
| View / Lot | Proximity to Airport |
| Deck Area | 314 sqft |
|---|---|
| Patio Area | 314 sqft |
| Shed | 1 Shed |
| Shed Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1651 COOL SPRING RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-1379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 RESIDE |
| Legal Description | TOWNWOOD 3 Q 1 |
| Legal Subdivision | TOWNWOOD |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10702 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1651 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1651 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200009837 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 202200009837 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1651 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5599/23 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 5599/23 |
| Instrument | 2021-00014845 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 1651 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1379 |
| Document Number | 0000012679 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1651 COOL SPRING RD CHARLOTTESVILLE VA 229011379, CHARLOTTESVILLE, VA 22901-1379 |
| Document Number | 0000012679 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 005388/000313 |
| Instrument | 12679 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 15, 2045 |
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,357.00 (+1.82%) | $375,500 (+1.79%) Land $99,000 Building $276,500 | $375,500 (+1.79%) Land $99,000 Building $276,500 |
| 2025 | $3,297.00 (+15.12%) | $368,900 (+9.99%) Land $93,500 Building $275,400 | $368,900 (+9.99%) Land $93,500 Building $275,400 |
| 2023 | $2,864.00 | $335,400 Land $74,300 Building $261,100 | $335,400 Land $74,300 Building $261,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 3, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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