2645 Wind River Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2645 Wind River Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,371 sqft
Lot Size	6.12 acres (266,631 sqft)
Owner	2 Company Names on Record
Tax Bill	$15,484 (2026)
Deeds & Mortgages	Sep 2023 Transfer Feb 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04300-00-00-09000`

Property Details

APN / Parcel Number

Primary APN	`04300-00-00-09000`
Alternative APN	`9313`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,371 sqft Finished Area
Basement Area	2,988 sqft
Finished Basement	2,116 sqft
Unfinished Basement	872 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	266,631 sqft (6.12 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	987 sqft

Exterior Amenities

Pool Type	Pool Type
Pool Area	544 sqft
Porch	Slab
Porch Area	564 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	2645 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 12
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	2 Company Names on Record
Mailing Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Intrafamily Transfer, Transfer
Feb 25, 2022	Gift Deed, Transfer
Apr 25, 2019	Loan Modification, Mortgage FULTON BK NA
Jan 24, 2018	Deed of Trust, Mortgage FULTON BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 24, 2023
Transfer Doc	0000007853
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 8, 2023
Property Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Document Number	202300007853
Map Reference	MB 1027 PG 508&509
Instrument Date	Aug 24, 2023
Instrument	202300007853
Transaction Type	Transfer
Record Updated	Oct 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708

February 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 25, 2022
Property Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Document Number	202200002422
Instrument Date	Feb 18, 2022
Instrument	202200002422
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2635 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Document Number	0000004674
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 WIND RIVER RD CHARLOTTESVILLE VA 229018708, CHARLOTTESVILLE, VA 22901-8708

Mortgage

Document Number	0000004674
Date	May 16, 2019
Book Page	005166/000719
Instrument	4674

Lender

Name	FULTON BK NA
Address	VIRGINA BEACH, VA 23462

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 15, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2645 WIND RIVER RD, CHARLOTTESVILLE, VA 22901-8708
Document Number	0000000906
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	COURT SQUARE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	WIND RIVER RD CHARLOTTESVILLE VA 22901, CHARLOTTESVILLE, VA 22901

Mortgage

Document Number	0000000906
Date	Jan 25, 2018
Book Page	005008/000187
Instrument	906

Lender

Name	FULTON BK NA
Address	LANCASTER, PA 17602

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$15,484.00 (-0.36%)	$1,732,000 (-0.36%) Land $297,500 Building $1,434,500	$1,732,000 (-0.36%) Land $297,500 Building $1,434,500
2025	$15,540.00 (+142.43%)	$1,738,300 (+15.78%) Land $267,700 Building $1,470,600	$1,738,300 (+15.78%) Land $267,700 Building $1,470,600
2023	$6,410.00 (+9.84%)	$1,501,400 Land $242,800 Building $1,258,600	$1,501,400 Land $242,800 Building $1,258,600
2022	$5,836.00

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 500 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 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 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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