1657 Cool Spring Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1657 Cool Spring Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,308 sqft · built 1985
Lot Size	0.043 acres (1,893 sqft)
Owner	Individual Name on Record
Tax Bill	$2,719 (2026)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061B0-03-0R-00200`

Property Details

APN / Parcel Number

Primary APN	`061B0-03-0R-00200`
Alternative APN	`23422`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,308 sqft Finished Area
Basement Area	656 sqft
Finished Basement	436 sqft
Unfinished Basement	220 sqft
Family Room	Family Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,893 sqft (0.043 acres)
View / Lot	Proximity to Airport
Porch	Slab
Porch Area	18 sqft
Patio Area	187 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1657 COOL SPRING RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-1380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10 RESIDE
Legal Description	TOWNWOOD 3 R 2
Legal Subdivision	TOWNWOOD
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	2
Census Block	2000
Census Tract	10702

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	Individual Name on Record
Mailing Address	1657 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1657 COOL SPRING RD, CHARLOTTESVILLE, VA 22901-1380
Document Number	0000015733
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1657 COOL SPRING RD CHARLOTTESVILLE VA 229011380, CHARLOTTESVILLE, VA 22901-1380

Mortgage

Document Number	0000015733
Date	Nov 4, 2020
Book Page	005419/000548
Instrument	15733

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

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	$2,719.00 (+1.76%)	$304,100 (+5.85%) Land $90,000 Building $214,100	$304,100 (+5.85%) Land $90,000 Building $214,100
2025	$2,672.00 (+8.93%)
2023	$2,453.00	$287,300 Land $67,500 Building $219,800	$287,300 Land $67,500 Building $219,800

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 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.

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 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