2460 Shady Spring Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2460 Shady Spring Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,862 sqft · built 1988
Lot Size	5.32 acres (232,131 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Jan 2017)
Tax Bill	$8,612 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-06800`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-06800`
Alternative APN	`9291`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,862 sqft Finished Area
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	232,131 sqft (5.32 acres)
Garage Type	Detached
Garage Area	576 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	374 sqft
Deck Area	589 sqft
Patio Area	563 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2460 SHADY SPRING DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-8994
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	HARMONY 10
Legal Subdivision	HARMONY
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3000
Census Tract	11000

Owner

2460 Shady Spring Dr is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2460 SHADY SPRING DR, CHARLOTTESVILLE, VA 22901-8994
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
Feb 25, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 17, 2017	Grant Deed, Transfer · VA Mortgage FIRST HERITAGE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2017 · Amount on File
Deed Sale	Jan 17, 2017 · Amount on File
Deed Document Number	2017552
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2460 SHADY SPRING DR, CHARLOTTESVILLE, VA 22901-8994
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5485/661
Date	Feb 25, 2021
Book Page	5485/661
Instrument	2021-00003227

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 17, 2017
Property Address	2460 SHADY SPRING DR, CHARLOTTESVILLE, VA 22901-8994
Document Number	0000000552
Book / Page	004865 / 000547
Instrument Date	Jan 12, 2017
Instrument	552
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
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	2460 SHADY SPRING DR CHARLOTTESVILLE VA 229018994, CHARLOTTESVILLE, VA 22901-8994

Mortgage

Document Number	553,
Date	Jan 17, 2017
Book Page	004865/000551
Instrument	553

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2460 Shady Spring Dr was $8,612, up 14.1% 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	$8,612.00 (+14.1%)	$963,300 (+14.09%) Land $250,100 Building $713,200	$963,300 (+14.09%) Land $250,100 Building $713,200
2025	$7,548.00	$844,300 Land $225,000 Building $619,300	$844,300 Land $225,000 Building $619,300
2023	$6,118.00	$716,500 Land $204,100 Building $512,400	$716,500 Land $204,100 Building $512,400

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

Flood

FEMA maps place 2460 Shady Spring Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 2460 Shady Spring Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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