1900 Cobblestone Ln, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1900 Cobblestone Ln, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,091 sqft · built 1900
Lot Size	2.18 acres (95,004 sqft)
Owner	Individual Name on File
Last Sale	$810,000 (May 2023)
Tax Bill	$8,942 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05900-00-00-006C0`

Property Details

APN / Parcel Number

Primary APN	`05900-00-00-006C0`
Alternative APN	`19642`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,091 sqft Finished Area
Basement Area	638 sqft
Unfinished Basement	616 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2024
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Metal
Lot Area	95,004 sqft (2.18 acres)
Garage Type	Detached
Garage Area	396 sqft

Exterior Amenities

Porch	Slab
Porch Area	475 sqft
Deck Area	243 sqft
Patio Area	721 sqft
Kennel	Kennel
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Street Address	1900 COBBLESTONE LN
City	CHARLOTTESVILLE
State	VA
Zip	22901-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE PARCEL X
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	5
Census Block	5003
Census Tract	11000

Owner

1900 Cobblestone Ln is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435
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
May 3, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage FULTON BANK NA
Nov 23, 2022	Intrafamily Transfer, Transfer
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit VIRGINIA NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2023 · Amount on File
Deed Sale	May 3, 2023 · Amount on File
Deed Document Number	20233473
Prior Transfer Date	Nov 17, 2022
Prior Transfer Doc	0000013140
Record Updated	Sep 20, 2026

May 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 3, 2023
Property Address	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435
Document Number	202300003473
Map Reference	MB 772 PG 207
Instrument Date	Apr 12, 2023
Instrument	202300003473
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
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	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435

Mortgage

Document Number	202300003475
Date	May 3, 2023
Instrument	202300003475

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jun 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	Other
Margin	3
Max Rate	10.8%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 23, 2022
Property Address	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435
Document Number	202200013140
Map Reference	MB 772 PG 207
Instrument Date	Nov 17, 2022
Instrument	202200013140
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1900 COBBLESTONE LN, CHARLOTTESVILLE, VA 22901-9435
Document Number	0000000964
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 COBBLESTONE LN CHARLOTTESVILLE VA 229019435, CHARLOTTESVILLE, VA 22901-9435

Mortgage

Document Number	0000000964
Date	Jan 27, 2020
Book Page	005270/000279
Instrument	964

Lender

Name	VIRGINIA NAT'L BK
Type	Bank
Address	CHARLOTTESVILLE, VA 22902

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1900 Cobblestone Ln was $8,942, up 6.5% 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	$8,942.00 (+6.45%)	$1,000,200 (+6.44%) Land $286,800 Building $713,400	$1,000,200 (+6.44%) Land $286,800 Building $713,400
2025	$8,400.00	$939,700 Land $258,000 Building $681,700	$939,700 Land $258,000 Building $681,700
2023	$6,838.00	$800,800 Land $234,000 Building $566,800	$800,800 Land $234,000 Building $566,800

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

Flood

FEMA maps place 1900 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 1900 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	Direct burnable vegetation

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

5G (outdoors only) and 4G LTE

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