2470 Harmony Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2470 Harmony Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,637 sqft · built 2000
Lot Size	3.73 acres (162,479 sqft)
Owner	Individual Name on Record
Last Sale	$694,000 (Jun 2016)
Tax Bill	$10,652 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-07800`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-07800`
Alternative APN	`9301`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,637 sqft Finished Area
Basement Area	1,874 sqft
Finished Basement	1,311 sqft
Unfinished Basement	563 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	162,479 sqft (3.73 acres)
Garage Area	420 sqft
Driveway	Paver Driveway
Porch	Slab
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2470 HARMONY DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-8992
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	HARMONY 20
Legal Subdivision	HARMONY
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3000
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	2470 HARMONY DR, CHARLOTTESVILLE, VA 22901-8992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2020	Deed of Trust, Mortgage ATLANTIC COAST MTG
Apr 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2016 · Amount on Record
Deed Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	20166258
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2470 HARMONY DR, CHARLOTTESVILLE, VA 22901-8992
Document Number	0000002738
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2470 HARMONY DR CHARLOTTESVILLE VA 229018992, CHARLOTTESVILLE, VA 22901-8992

Mortgage

Document Number	0000002738
Date	Mar 11, 2020
Book Page	005287/000029
Instrument	2738

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2470 HARMONY DR, CHARLOTTESVILLE, VA 22901-8992
Document Number	0000004284
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2470 HARMONY DR CHARLOTTESVILLE VA 229018992, CHARLOTTESVILLE, VA 22901-8992

Mortgage

Document Number	0000004284
Date	May 7, 2019
Book Page	005163/000226
Instrument	4284

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

Interest

Rate Type	Adjustable Rate

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	$10,652.00 (+11.83%)	$1,191,500 (+11.83%) Land $194,000 Building $997,500	$1,191,500 (+11.83%) Land $194,000 Building $997,500
2025	$9,525.00 (+19.74%)	$1,065,500 (+14.39%) Land $174,500 Building $891,000	$1,065,500 (+14.39%) Land $174,500 Building $891,000
2023	$7,955.00	$931,500 Land $158,300 Building $773,200	$931,500 Land $158,300 Building $773,200

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	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

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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