287 Starcrest Rd, Charlottesville, VA 22902 Property Records

Albemarle County property record for 287 Starcrest Rd, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,339 sqft · built 1998
Lot Size	0.631 acres (27,486 sqft)
Owner	2 Individual Names on File
Last Sale	$683,000 (Jun 2026)
Tax Bill	$6,593 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090D0-00-00-19800`

Property Details

APN / Parcel Number

Primary APN	`090D0-00-00-19800`
Alternative APN	`37584`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,339 sqft Finished Area
Basement Area	2,355 sqft
Finished Basement	785 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	27,486 sqft (0.631 acres)
Garage Area	484 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	287 STARCREST RD
City	CHARLOTTESVILLE
State	VA
Zip	22902-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	LAKE REYNOVIA 198 PH-VII
Legal Subdivision	LAKE REYNOVIA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	1
Census Block	1003
Census Tract	11301

Owner

287 Starcrest Rd is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 29, 2026	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 28, 2018	Grant Deed, Transfer · Conventional Mortgage WATERSTONE MTG
Feb 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Aug 28, 2018 · Amount on File
Deed Document Number	20266351
Prior Transfer Date	Feb 5, 2017
Prior Transfer Doc	0000001539
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 29, 2026
Property Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242
Document Number	0000006351
Instrument Date	Jun 22, 2026
Instrument	20266351
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,983.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242

Mortgage

Document Number	0000006352,
Date	Jun 29, 2026
Instrument	20266352

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5586/102
Date	Aug 4, 2021
Book Page	5586/102
Instrument	2021-00013552

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 28, 2018
Property Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242
Document Number	0000009693
Book / Page	005089 / 000205
Instrument Date	Aug 24, 2018
Instrument	9693
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$427.50
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	389 BAYBERRY WAY CHARLOTTESVILLE VA 229115632, CHARLOTTESVILLE, VA 22911-5632

Mortgage

Document Number	9694
Date	Aug 28, 2018
Book Page	005089/000209
Instrument	9694

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2048

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Feb 6, 2017
Property Address	287 STARCREST RD, CHARLOTTESVILLE, VA 22902-8242
Document Number	0000001539
Book / Page	004874 / 000051
Instrument Date	Feb 5, 2017
Instrument	1539
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	287 STARCREST RD CHARLOTTESVILLE VA 229028242, CHARLOTTESVILLE, VA 22902-8242

Tax Assessment & Valuation

The 2026 property tax bill for 287 Starcrest Rd was $6,593, up 6.8% 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	$6,593.00 (+6.75%)	$737,500 (+6.74%) Land $171,000 Building $566,500	$737,500 (+6.74%) Land $171,000 Building $566,500
2025	$6,176.00	$690,900 Land $155,000 Building $535,900	$690,900 Land $155,000 Building $535,900
2023	$4,828.00	$565,400 Land $145,000 Building $420,400	$565,400 Land $145,000 Building $420,400

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

Flood

FEMA maps place 287 Starcrest Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 287 Starcrest 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ting Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed.

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