2490 Spring Brook Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2490 Spring Brook Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,168 sqft · built 2005
Lot Size	3 acres (130,985 sqft)
Owner	Individual Name on Record
Tax Bill	$8,539 (2026)
Deeds & Mortgages	May 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-07200`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-07200`
Alternative APN	`9295`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,168 sqft Finished Area
Attic	Attic
Attic Area	840 sqft
Basement Area	1,880 sqft
Unfinished Basement	1,880 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	130,985 sqft (3 acres)
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	40 sqft
Patio Area	348 sqft
Balcony Area	200 sqft
Kennel	Kennel

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2490 SPRING BROOK DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-8996
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	HARMONY 14
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	2490 SPRING BROOK DR, CHARLOTTESVILLE, VA 22901-8996
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 11, 2017	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 29, 2005
Transfer Doc	3015/670
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2490 SPRING BROOK DR, CHARLOTTESVILLE, VA 22901-8996
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300003454
Date	May 2, 2023
Instrument	202300003454

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2490 SPRING BROOK DR, CHARLOTTESVILLE, VA 22901-8996
Document Number	0000014917
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2490 SPRING BROOK DR CHARLOTTESVILLE VA 229018996, CHARLOTTESVILLE, VA 22901-8996

Mortgage

Document Number	0000014917
Date	Oct 22, 2020
Book Page	005411/000273
Instrument	14917

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 21, 2040

Interest

Rate	2.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2490 SPRING BROOK DR, CHARLOTTESVILLE, VA 22901-8996
Document Number	0000011113
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2490 SPRING BROOK DR CHARLOTTESVILLE VA 229018996, CHARLOTTESVILLE, VA 22901-8996

Mortgage

Document Number	0000011113
Date	Oct 11, 2019
Book Page	005228/000242
Instrument	11113

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2044

Interest

Rate	3.5%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 11, 2017
Property Address	2490 SPRING BROOK DR, CHARLOTTESVILLE, VA 22901-8996
Document Number	0000007793
Book / Page	004932 / 000548
Instrument Date	Jul 6, 2017
Instrument	7793
Transaction Type	Transfer
Record Updated	Aug 31, 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	$599.00
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	2490 SPRING BROOK DR CHARLOTTESVILLE VA 229018996, CHARLOTTESVILLE, VA 22901-8996

Mortgage

Document Number	7794
Date	Jul 11, 2017
Book Page	004932/000552
Instrument	7794

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

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	$8,539.00 (+4.91%)	$955,200 (+4.91%) Land $196,700 Building $758,500	$955,200 (+4.91%) Land $196,700 Building $758,500
2025	$8,139.00 (+18.59%)	$910,500 (+13.29%) Land $177,000 Building $733,500	$910,500 (+13.29%) Land $177,000 Building $733,500
2023	$6,863.00	$803,700 Land $160,500 Building $643,200	$803,700 Land $160,500 Building $643,200

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 67% of the US · above 54% 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 12 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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