2404 Smithfield Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2404 Smithfield Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,024 sqft · built 1971
Lot Size	0.389 acres (16,945 sqft)
Owner	Individual Name on Record
Last Sale	$413,000 (Sep 2020)
Tax Bill	$5,995 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`060D0-00-0A-031A0`

Property Details

APN / Parcel Number

Primary APN	`060D0-00-0A-031A0`
Alternative APN	`22094`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,024 sqft Finished Area
Basement Area	1,105 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,148 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Wood
Lot Area	16,945 sqft (0.389 acres)
View / Lot	Proximity to Airport
Garage Type	Detached
Garage Area	352 sqft

Exterior Amenities

Porch	Slab
Porch Area	158 sqft
Deck Area	168 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	2404 SMITHFIELD RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-2262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 RESIDEN
Legal Description	CANTERBURY HILLS 4 A 31A
Legal Subdivision	CANTERBURY HILLS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	3
Census Block	3001
Census Tract	10801

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	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Sep 30, 2020	Grant Deed, Transfer · Conventional with PMI ATLANTIC COAST MTG
Dec 13, 2019	Deed of Trust, Mortgage · Conventional with PMI WATERSTONE MTG
May 12, 2017	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MTG
May 12, 2017	Grant Deed, Transfer · FHA Mortgage WATERSTONE MTG
Mar 31, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	May 12, 2017 · Amount on Record
Deed Document Number	202013654
Deed Book / Page	5398 / 367
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200003736
Date	Mar 28, 2022
Instrument	202200003736

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 30, 2020
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Document Number	0000013654
Book / Page	005398 / 000367
Instrument Date	Sep 23, 2020
Instrument	13654
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2404 SMITHFIELD RD CHARLOTTESVILLE VA 229012262, CHARLOTTESVILLE, VA 22901-2262

Mortgage

Document Number	13655
Date	Sep 30, 2020
Book Page	005398/000370
Instrument	13655

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Document Number	0000014045
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2404 SMITHFIELD RD CHARLOTTESVILLE VA 229012262, CHARLOTTESVILLE, VA 22901-2262

Mortgage

Document Number	0000014045
Date	Dec 19, 2019
Book Page	005257/000396
Instrument	14045

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Document Number	0000014259
Book / Page	004992 / 000591
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2404 SMITHFIELD RD CHARLOTTESVILLE VA 229012262, CHARLOTTESVILLE, VA 22901-2262

Mortgage

Document Number	0000014259
Date	Dec 8, 2017
Book Page	004992/000591
Instrument	14259

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 12, 2017
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Document Number	0000005300
Book / Page	004908 / 000233
Instrument Date	May 11, 2017
Instrument	5300
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2404 SMITHFIELD RD CHARLOTTESVILLE VA 229012262, CHARLOTTESVILLE, VA 22901-2262

Mortgage

Document Number	5301
Date	May 12, 2017
Book Page	004908/000237
Instrument	5301

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 31, 2017
Property Address	2404 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2262
Document Number	0000003634
Book / Page	004891 / 000719
Instrument Date	Feb 9, 2017
Instrument	3634
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 SMITHFIELD RD CHARLOTTESVILLE VA 229012262, CHARLOTTESVILLE, VA 22901-2262

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	$5,995.00 (-0.02%)	$670,600 (-0.03%) Land $157,500 Building $513,100	$670,600 (-0.03%) Land $157,500 Building $513,100
2025	$5,996.00 (+19.63%)	$670,800 (+14.3%) Land $157,500 Building $513,300	$670,800 (+14.3%) Land $157,500 Building $513,300
2023	$5,012.00	$586,900 Land $157,500 Building $429,400	$586,900 Land $157,500 Building $429,400

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	1 in force

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	0.01% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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