2640 Wind River Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2640 Wind River Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 5,670 sqft · built 2001
Lot Size	6.38 acres (277,913 sqft)
Owner	Individual Name on Record
Tax Bill	$18,564 (2026)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-08900`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-08900`
Alternative APN	`9312`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	5,670 sqft Finished Area
Basement Area	3,161 sqft
Unfinished Basement	3,161 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Traditional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Wood
Lot Area	277,913 sqft (6.38 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	840 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	601 sqft
Deck Area	472 sqft
Patio Area	1,416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2640 WIND RIVER RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-8708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	WIND RIVER 11
Legal Subdivision	WIND RIVER
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1007
Census Tract	10202

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	2640 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 16, 2005
Transfer Doc	2984/387
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2640 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Document Number	0000014697
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	VS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 WIND RIVER RD CHARLOTTESVILLE VA 229018708, CHARLOTTESVILLE, VA 22901-8708

Mortgage

Document Number	0000014697
Date	Oct 19, 2020
Book Page	005409/000191
Instrument	14697

Lender

Name	F&M MTG
Type	Mortgage Company
Address	HARRISONBURG, VA 22801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 18, 2035

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	$18,564.00 (+8.21%)	$2,076,500 (+8.21%) Land $303,400 Building $1,773,100	$2,076,500 (+8.21%) Land $303,400 Building $1,773,100
2025	$17,155.00 (+14.11%)	$1,919,000 (+9%) Land $273,000 Building $1,646,000	$1,919,000 (+9%) Land $273,000 Building $1,646,000
2023	$15,034.00	$1,760,500 Land $247,600 Building $1,512,900	$1,760,500 Land $247,600 Building $1,512,900

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 64% of the US · above 59% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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