Albemarle County property record for 2788 Garth Rd, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,142 sqft · built 1975 |
| Lot Size | 2 acres (87,164 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,378 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04200-00-00-047A0 |
| Primary APN | 04200-00-00-047A0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,142 sqft Finished Area |
| Basement Area | 1,224 sqft |
| Unfinished Basement | 1,224 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | A-Frame |
| Exterior Material | Stone |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 87,164 sqft (2 acres) |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 390 sqft |
| Patio Area | 244 sqft |
| Balcony Area | 124 sqft |
| Shed | 1 Shed |
| Shed Area | 680 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Wood Furnace |
| Heating Fuel | Wood |
| Street Address | 2788 GARTH RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-5302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | ACREAGE |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | JACK JOUETT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 10202 |
2788 Garth Rd is owned and occupied by an individual.
Source: Albemarle County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2788 GARTH RD, CHARLOTTESVILLE, VA 22901-5302 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2788 GARTH RD, CHARLOTTESVILLE, VA 22901-5302 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2788 GARTH RD, CHARLOTTESVILLE, VA 22901-5302 |
| Document Number | 202600002045 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 202600002045 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2026 property tax bill for 2788 Garth Rd was $1,378, down 72.2% from the year before.
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,378.00 (-72.17%) | $616,700 Land $191,200 Building $425,500 | $616,700 Land $191,200 Building $425,500 |
| 2025 | $4,952.00 | ||
| 2023 | $472,300 Land $156,000 Building $316,300 | $472,300 Land $156,000 Building $316,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2788 Garth Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 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 risk around 2788 Garth Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
4G LTE (outdoors only), no 5G reported
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