2386 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2386 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,855 sqft · built 1920
Lot Size	5.26 acres (229,126 sqft)
Owner	Individual Name on Record
Last Sale	$2,149,000 (Nov 2025)
Tax Bill	$18,673 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-00600`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-00600`
Alternative APN	`9019`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,855 sqft Finished Area
Basement Area	944 sqft
Unfinished Basement	935 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Metal
Lot Area	229,126 sqft (5.26 acres)
Garage Area	528 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	260 sqft
Porch	Slab
Porch Area	1,160 sqft
Deck Area	247 sqft
Patio Area	750 sqft
Storage Building	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2386 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE 1 WILDWOOD
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1007
Census Tract	10202

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	2386 GARTH RD, CHARLOTTESVILLE, VA 22901-5415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage THE FIRST BANK & TRUST CO
Mar 30, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Deed Document Number	202510601
Record Updated	Sep 20, 2026

November 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 7, 2025
Property Address	2386 GARTH RD, CHARLOTTESVILLE, VA 22901-5415
Document Number	202500010601
Map Reference	MB 835 PG 93
Instrument Date	Oct 20, 2025
Instrument	202500010601
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2386 GARTH RD, CHARLOTTESVILLE, VA 22901-5415

Mortgage

Document Number	202500010602
Date	Nov 7, 2025
Instrument	202500010602

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.99%
Index	1-Year T-Bill
Max Rate	14%

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 30, 2018
Property Address	2386 GARTH RD, CHARLOTTESVILLE, VA 22901-5415
Document Number	0000003215
Book / Page	005028 / 000612
Instrument Date	Mar 7, 2018
Instrument	3215
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2386 GARTH RD CHARLOTTESVILLE VA 229015415, CHARLOTTESVILLE, VA 22901-5415

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	$18,673.00 (+13.37%)	$2,088,700 (+13.37%) Land $740,500 Building $1,348,200	$2,088,700 (+13.37%) Land $740,500 Building $1,348,200
2025	$16,471.00 (+32.02%)	$1,842,400 (+26.11%) Land $604,200 Building $1,238,200	$1,842,400 (+26.11%) Land $604,200 Building $1,238,200
2023	$12,476.00	$1,460,900 Land $446,600 Building $1,014,300	$1,460,900 Land $446,600 Building $1,014,300

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 · 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 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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