2449 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2449 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,510 sqft · built 1972
Lot Size	2.54 acres (111,034 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Dec 2017)
Tax Bill	$14,100 (2026)
Deeds & Mortgages	Dec 2025 Transfer Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-023G0`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-023G0`
Alternative APN	`9124`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,510 sqft Finished Area
Basement Area	980 sqft
Unfinished Basement	980 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood
Lot Area	111,034 sqft (2.54 acres)
Garage Type	Detached
Garage Area	624 sqft
Porch	Slab
Porch Area	549 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2449 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE PARCEL G
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	1
Census Block	1001
Census Tract	11000

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	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Transfer on Death Deed, Transfer
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MTG
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit UNITED BK
Dec 1, 2017	Grant Deed, Transfer ATLANTIC COAST MTG
Oct 17, 2017	Loan Modification, Mortgage · Conventional Mortgage UNION SERVICE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Deed Document Number	201714008
Deed Book / Page	4990 / 327
Last Transfer Date	Dec 10, 2025
Transfer Doc	0000011729
Record Updated	Sep 20, 2026

December 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 10, 2025
Property Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Document Number	202500011729
Instrument Date	Dec 10, 2025
Instrument	202500011729
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Document Number	0000017246
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2449 GARTH RD CHARLOTTESVILLE VA 229015416, CHARLOTTESVILLE, VA 22901-5416

Mortgage

Document Number	0000017246
Date	Dec 1, 2020
Book Page	005434/000403
Instrument	17246

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Document Number	0000017247
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2449 GARTH RD CHARLOTTESVILLE VA 229015416, CHARLOTTESVILLE, VA 22901-5416

Mortgage

Document Number	0000017247
Date	Dec 1, 2020
Book Page	005434/000420
Instrument	17247

Lender

Name	UNITED BK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 30, 2045

Interest

Rate Type	Adjustable Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 1, 2017
Property Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Document Number	0000014008
Book / Page	004990 / 000327
Instrument Date	Nov 22, 2017
Instrument	14008
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
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	2449 GARTH RD CHARLOTTESVILLE VA 229015416, CHARLOTTESVILLE, VA 22901-5416

Mortgage

Document Number	14009
Date	Dec 1, 2017
Book Page	004990/000330
Instrument	14009

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2047

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	2449 GARTH RD, CHARLOTTESVILLE, VA 22901-5416
Document Number	0000012112
Book / Page	004972 / 000563
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2151 WALNUTSIDE LN CHARLOTTESVILLE VA 229015435, CHARLOTTESVILLE, VA 22901-5435

Mortgage

Document Number	0000012112
Date	Oct 18, 2017
Book Page	004972/000563
Instrument	12112

Lender

Name	UNION SERVICE CORP
Address	1051 E CARY ST # 1200, RICHMOND, VA 23219-4044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$14,100.00 (+131.19%)	$1,577,200 (+17.5%) Land $420,000 Building $1,157,200	$1,577,200 (+17.5%) Land $420,000 Building $1,157,200
2025	$6,099.00 (-39.43%)	$1,342,300 (+13.84%) Land $362,300 Building $980,000	$1,342,300 (+13.84%) Land $362,300 Building $980,000
2023	$10,069.00	$1,179,100 Land $267,800 Building $911,300	$1,179,100 Land $267,800 Building $911,300

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	3 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	0.03% 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.

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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