1865 Ashmere Dr, Charlottesville, VA 22902 Property Records

Albemarle County property record for 1865 Ashmere Dr, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,472 sqft · built 2002
Lot Size	2.34 acres (102,279 sqft)
Owner	Individual Name on File
Tax Bill	$6,203 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09300-00-00-01800`

Property Details

APN / Parcel Number

Primary APN	`09300-00-00-01800`
Alternative APN	`38155`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,472 sqft Finished Area
Basement Area	4,544 sqft
Unfinished Basement	1,872 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Composition/Composite
Roof Material	Other
Lot Area	102,279 sqft (2.34 acres)
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	107 sqft
Deck Area	728 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	1865 ASHMERE DR
City	CHARLOTTESVILLE
State	VA
Zip	22902-8122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	1
Census Block	1025
Census Tract	10402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Southern Albemarle Rural Historic District listed 2007 · 1,869 contributing resources · NRIS 07001236

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1865 Ashmere Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1865 ASHMERE DR, CHARLOTTESVILLE, VA 22902-8122
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
Oct 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 19, 2018	Deed of Trust, Mortgage · Conventional with PMI CITIBANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1865 ASHMERE DR, CHARLOTTESVILLE, VA 22902-8122
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500010006
Date	Oct 23, 2025
Instrument	202500010006

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1865 ASHMERE DR, CHARLOTTESVILLE, VA 22902-8122
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5590/670
Date	Aug 13, 2021
Book Page	5590/670
Instrument	2021-00014044

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1865 ASHMERE DR, CHARLOTTESVILLE, VA 22902-8122
Document Number	0000000893
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	MORTGAGE INFORMATION SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1865 ASHMERE DR CHARLOTTESVILLE VA 229028122, CHARLOTTESVILLE, VA 22902-8122

Mortgage

Document Number	0000000893
Date	Jan 25, 2018
Book Page	005008/000102
Instrument	893

Lender

Name	CITIBANK
Type	Bank
Address	OFALLON, MO 63368-2240

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2048

Interest

Rate	4%

Tax Assessment & Valuation

The 2026 property tax bill for 1865 Ashmere Dr was $6,203, up 1.3% 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	$6,203.00 (+1.31%)	$693,900 (+1.3%) Land $102,300 Building $591,600	$693,900 (+1.3%) Land $102,300 Building $591,600
2025	$6,123.00	$685,000 Land $100,100 Building $584,900	$685,000 Land $100,100 Building $584,900
2023	$5,051.00	$591,500 Land $98,000 Building $493,500	$591,500 Land $98,000 Building $493,500

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

Flood

FEMA maps place 1865 Ashmere Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1985–2013)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2013 · other causes
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims

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 1865 Ashmere Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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