2806 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 2806 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,016 sqft · built 1990
Lot Size	3.5 acres (152,460 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2015)
Tax Bill	$8,988 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-04700`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-04700`
Alternative APN	`8768`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,016 sqft Finished Area
Attic	Attic
Attic Area	700 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Metal
Lot Area	152,460 sqft (3.5 acres)
Garage Type	Detached
Garage Area	700 sqft
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Oil

Location & Zoning

Street Address	2806 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE C
Legal Subdivision	ROUDABUSH GALE & ASSOC
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	2806 GARTH RD, CHARLOTTESVILLE, VA 22901-5303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA COMMUNITY CREDIT UNION
Nov 15, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2015 · Amount on Record
Deed Sale	Jun 22, 2015 · Amount on Record
Deed Document Number	20156562
Prior Transfer Date	Apr 16, 2007
Prior Transfer Doc	3400/533
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 11, 2026
Property Address	2806 GARTH RD, CHARLOTTESVILLE, VA 22901-5303
Document Number	0000005681
Instrument Date	Jun 4, 2026
Instrument	20265681
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2806 GARTH RD, CHARLOTTESVILLE, VA 22901-5303

Mortgage

Document Number	0000005681,
Date	Jun 11, 2026
Instrument	20265681

Lender

Name	UNIVERSITY/VA COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2806 GARTH RD, CHARLOTTESVILLE, VA 22901-5303
Document Number	0000012849
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2806 GARTH RD CHARLOTTESVILLE VA 229015303, CHARLOTTESVILLE, VA 22901-5303

Mortgage

Document Number	0000012849
Date	Nov 20, 2018
Book Page	005115/000405
Instrument	12849

Lender

Name	UNIVERSITY/VA CMNTY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 19, 2043

Interest

Rate Type	Adjustable Rate
Rate	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	$8,988.00 (+7.41%)	$1,005,400 (+7.4%) Land $234,300 Building $771,100	$1,005,400 (+7.4%) Land $234,300 Building $771,100
2025	$8,368.00 (+16.16%)	$936,100 (+10.96%) Land $210,800 Building $725,300	$936,100 (+10.96%) Land $210,800 Building $725,300
2023	$7,204.00	$843,600 Land $191,200 Building $652,400	$843,600 Land $191,200 Building $652,400

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	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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.02% 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 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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