Albemarle County property record for 2045 Commonwealth Dr, Charlottesville, VA 22901 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1980 |
| Square Footage | 1,248 sqft Finished Area |
| Lot Size | 6,926 sqft (0.159 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $319,000 (2025) |
| Tax Bill | $2,763.00 (2026) |
| Primary APN | 061W0-03-00-03500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,248 sqft Finished Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Wood Construction |
| Roof Material | Wood Roof |
| Lot Area | 6,926 sqft (0.159 acres) |
| Balcony Area | 60 sqft Balcony |
|---|---|
| Deck Area | 60 sqft Deck |
| Patio Area | 60 sqft Patio |
| View | Proximity to Airport View |
| Storage Building | 96 sqft Storage Building |
| Cooling System | Central Cooling |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 2045 COMMONWEALTH DR |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-2363 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WESTFIELD 3 5R |
| Legal Subdivision | WESTFIELD |
| Jurisdiction | ALBEMARLE VA |
| Minor Civil Division | JACK JOUETT |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 10701 |
Source: Albemarle County records · APN 061W0-03-00-03500
Assessment roll updated June 15, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage CMG MORTGAGE INC |
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage CMG MORTGAGE INC |
| Oct 30, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage PIEDMONT HOUSING ALLIACE |
| Oct 30, 2025 | Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Jul 28, 2022 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage TOWNE MORTGAGE |
| Sep 15, 2017 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 30, 2025 · Amount on Record |
| Deed Sale | Oct 30, 2025 · Amount on Record |
| Prior Sale | Jul 28, 2022 · Amount on Record |
| Deed Doc Number | 202510265 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202500010268 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 202500010268 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202500010268 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 202500010268 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 202500010267 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 202500010267 |
| Name | PIEDMONT HOUSING ALLIACE |
|---|---|
| Type | Government Agency |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Oct 30, 2025 |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 202500010265 |
| Map Reference | DOC 202200009237 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 202500010265 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $319.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 202500010266 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 202500010266 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Number | 202500010267 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 202500010267 |
| Name | PIEDMONT HOUSING ALLIACE |
|---|---|
| Type | Government Agency |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Jul 28, 2022 |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 202200009237 |
| Map Reference | MB 697 PG 425 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 202200009237 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $274.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 202200009238 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 202200009238 |
| Name | TOWNE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Sep 15, 2017 |
| Property Address | 2045 COMMONWEALTH DR, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 0000010731 |
| Book / Page | 004959 / 000691 |
| Instrument Date | Sep 08, 2017 |
| Instrument | 10731 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2018 |
| Title Company | CLOSURE TITLE SETTLEMENT COMPANY, CLOSURE TITLE SETTLEMENT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2045 COMMONWEALTH DR CHARLOTTESVILLE VA 229012363, CHARLOTTESVILLE, VA 22901-2363 |
| Document Number | 10732 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 004959/000694 |
| Instrument | 10732 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 14, 2047 |
Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,763.00 (+3.29%) | $309,100 (+3.27%) Land $100,000 Building $209,100 | $309,100 (+3.27%) Land $100,000 Building $209,100 |
| 2025 | $2,675.00 (+31.45%) | $299,300 (+25.6%) Land $83,500 Building $215,800 | $299,300 (+25.6%) Land $83,500 Building $215,800 |
| 2023 | $2,035.00 | $238,300 Land $72,500 Building $165,800 | $238,300 Land $72,500 Building $165,800 |
Source: FEMA National Flood Hazard Layer, Albemarle County (51003C), updated February 3, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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