1870 Cobblestone Ln, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1870 Cobblestone Ln, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,859 sqft · built 1984
Lot Size	1.19 acres (51,967 sqft)
Owner	Individual Name on File
Last Sale	$680,000 (Sep 2022)
Tax Bill	$8,927 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`059C3-03-00-00200`

Property Details

APN / Parcel Number

Primary APN	`059C3-03-00-00200`
Alternative APN	`20065`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,859 sqft Finished Area
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	51,967 sqft (1.19 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	894 sqft
Deck Area	318 sqft
Patio Area	303 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	1870 COBBLESTONE LN
City	CHARLOTTESVILLE
State	VA
Zip	22901-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	CANDLEWYCK 2
Legal Subdivision	CANDLEWYCK
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	5
Census Block	5003
Census Tract	11000

Owner

1870 Cobblestone Ln is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1870 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9436
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
Sep 23, 2022	Deed, Transfer · Conventional Mortgage NATIONAL INSTITUTES OF HEALTH FCU
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Apr 13, 2017	Grant Deed, Transfer · Conventional with PMI MB FIN'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2022 · Amount on File
Deed Sale	Sep 23, 2022 · Amount on File
Prior Sale	Apr 13, 2017 · Amount on File
Deed Document Number	202211274
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 23, 2022
Property Address	1870 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9436
Document Number	202200011274
Map Reference	MB 772 PG 207
Instrument Date	Sep 6, 2022
Instrument	202200011274
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1870 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9436

Mortgage

Document Number	202200011275
Date	Sep 23, 2022
Instrument	202200011275

Lender

Name	NATIONAL INSTITUTES OF HEALTH FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1870 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9436
Document Number	0000014072
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 COBBLESTONE LN CHARLOTTESVILLE VA 229019436, CHARLOTTESVILLE, VA 22901-9436

Mortgage

Document Number	0000014072
Date	Oct 7, 2020
Book Page	005402/000589
Instrument	14072

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 6, 2035

Interest

Rate	2.87%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 13, 2017
Property Address	1870 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9436
Document Number	0000004121
Book / Page	004896 / 000242
Instrument Date	Apr 11, 2017
Instrument	4121
Transaction Type	Transfer
Record Updated	Jul 7, 2017
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 COBBLESTONE LN CHARLOTTESVILLE VA 229019436, CHARLOTTESVILLE, VA 22901-9436

Mortgage

Document Number	4122
Date	Apr 13, 2017
Book Page	004896/000246
Instrument	4122

Lender

Name	MB FIN'L BK
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1870 Cobblestone Ln was $8,927, up 10.4% 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	$8,927.00 (+10.36%)	$998,600 (+10.35%) Land $388,800 Building $609,800	$998,600 (+10.35%) Land $388,800 Building $609,800
2025	$8,089.00	$904,900 Land $335,300 Building $569,600	$904,900 Land $335,300 Building $569,600
2023	$6,466.00	$757,200 Land $247,900 Building $509,300	$757,200 Land $247,900 Building $509,300

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

Flood

FEMA maps place 1870 Cobblestone Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	5 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	May 2018 · river or lake flooding

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 1870 Cobblestone Ln 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	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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Cobblestone Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures