3115 Waverly Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 3115 Waverly Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,372 sqft · built 1989
Lot Size	3 acres (130,811 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Aug 2016)
Tax Bill	$8,013 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-22800`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-22800`
Alternative APN	`8992`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,372 sqft Finished Area
Basement Area	2,024 sqft
Finished Basement	1,000 sqft
Unfinished Basement	790 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cottage
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	130,811 sqft (3 acres)
Garage Type	Carport
Carport	Carport
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	99 sqft
Patio Area	331 sqft
Balcony Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3115 WAVERLY DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-9577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	WAVERLY 65
Legal Subdivision	WAVERLY
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3028
Census Tract	10100

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	3115 WAVERLY DR, CHARLOTTESVILLE, VA 22901-9577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2016 · Amount on Record
Deed Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	20169702
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3115 WAVERLY DR, CHARLOTTESVILLE, VA 22901-9577
Document Number	0000014891
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3115 WAVERLY DR CHARLOTTESVILLE VA 229019577, CHARLOTTESVILLE, VA 22901-9577

Mortgage

Document Number	0000014891
Date	Oct 22, 2020
Book Page	005411/000121
Instrument	14891

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 21, 2035

Interest

Rate	1.99%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3115 WAVERLY DR, CHARLOTTESVILLE, VA 22901-9577
Document Number	0000003659
Book / Page	004892 / 000101
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017
Title Company	PARTNERS ESCROW AND TITLE, PARTNERS ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 WAVERLY DR CHARLOTTESVILLE VA 229019577, CHARLOTTESVILLE, VA 22901-9577

Mortgage

Document Number	0000003659
Date	Mar 31, 2017
Book Page	004892/000101
Instrument	3659

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHWOOD, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 30, 2032

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	$8,013.00 (+7.41%)	$896,300 (+10.42%) Land $203,100 Building $693,200	$896,300 (+10.42%) Land $203,100 Building $693,200
2025	$7,460.00 (+7.63%)
2023	$6,931.00	$811,700 Land $188,600 Building $623,100	$811,700 Land $188,600 Building $623,100

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 Claims	1 (1995)
Most Recent Claim	Jun 1995 · Severe Storms And Flooding

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	0.03% 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 37 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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