2520 Smithfield Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2520 Smithfield Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,857 sqft · built 1972
Lot Size	0.345 acres (15,028 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Aug 2019)
Tax Bill	$5,403 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060D0-00-0F-01000`

Property Details

APN / Parcel Number

Primary APN	`060D0-00-0F-01000`
Alternative APN	`22162`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,857 sqft Finished Area
Basement Area	784 sqft
Finished Basement	784 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	15,028 sqft (0.345 acres)
View / Lot	Proximity to Airport

Exterior Amenities

Porch	Slab
Porch Area	47 sqft
Patio Area	132 sqft
Shed	1 Shed
Shed Area	22 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	2520 SMITHFIELD RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 RESIDEN
Legal Description	CANTERBURY HILLS LOT 10 BLK F SECTION 5
Legal Subdivision	CANTERBURY HILLS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	3
Census Block	3001
Census Tract	10801

Owner

2520 Smithfield Rd is owned and occupied by an individual who acquired it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2520 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2222
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
Nov 30, 2020	Deed of Trust, Mortgage · Conventional with PMI TOWNE MTG
Aug 21, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Deed Document Number	20199069
Deed Book / Page	5208 / 766
Last Transfer Date	Apr 29, 2024
Transfer Doc	0000004622
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2520 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2222
Document Number	0000017604
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2520 SMITHFIELD RD CHARLOTTESVILLE VA 229012222, CHARLOTTESVILLE, VA 22901-2222

Mortgage

Document Number	0000017604
Date	Dec 4, 2020
Book Page	005437/000601
Instrument	17604

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 21, 2019
Property Address	2520 SMITHFIELD RD, CHARLOTTESVILLE, VA 22901-2222
Document Number	0000009069
Book / Page	005208 / 000766
Instrument Date	Aug 20, 2019
Instrument	9069
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	CLOSURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	2520 SMITHFIELD RD CHARLOTTESVILLE VA 229012222, CHARLOTTESVILLE, VA 22901-2222

Mortgage

Document Number	9070
Date	Aug 21, 2019
Book Page	005208/000770
Instrument	9070

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2520 Smithfield Rd was $5,403, up 6.9% 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	$5,403.00 (+6.88%)	$604,400 Land $175,000 Building $429,400	$604,400 Land $175,000 Building $429,400
2025	$5,055.00
2023	$4,814.00	$563,800 Land $175,000 Building $388,800	$563,800 Land $175,000 Building $388,800

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

Flood

FEMA maps place 2520 Smithfield Rd 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	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

Wildfire risk around 2520 Smithfield Rd is low, with a 0.01% 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	0.01% 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.

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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