Albemarle County property record for 3121 Edgewater Dr, Charlottesville, VA 22911
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,622 sqft · built 1990 |
| Lot Size | 0.567 acres (24,699 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Jun 2023) |
| Tax Bill | $8,483 (2026) |
| Deeds & Mortgages | Sep 2025 Transfer Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046B3-00-0A-00200 |
| Primary APN | 046B3-00-0A-00200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,622 sqft Finished Area |
| Attic | Attic |
| Attic Area | 330 sqft |
| Basement Area | 3,146 sqft |
| Unfinished Basement | 974 sqft |
| Family Room | Family Room |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 24,699 sqft (0.567 acres) |
| View / Lot | Proximity to Airport |
| Garage Area | 621 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 493 sqft |
| Patio Area | 655 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 3121 EDGEWATER DR |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22911-7579 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | FOREST LAKES A 2 PH-I |
| Legal Subdivision | FOREST LAKES |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10303 |
3121 Edgewater Dr is owned and occupied by two individuals who acquired it in August 2025.
Source: Albemarle County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2025 | Gift Deed, Transfer |
| Jun 27, 2023 | Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Sep 1, 2020 | Grant Deed, Transfer · Conventional with PMI RESIDENTIAL MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2023 · Amount on File |
| Deed Sale | Jun 27, 2023 · Amount on File |
| Prior Sale | Sep 1, 2020 · Amount on File |
| Deed Document Number | 20235346 |
| Last Transfer Date | Aug 21, 2025 |
| Transfer Doc | 0000008274 |
| Record Updated | Sep 20, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Sep 2, 2025 |
| Property Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Document Number | 202500008274 |
| Map Reference | MB 1018 PG 403-434 |
| Instrument Date | Aug 21, 2025 |
| Instrument | 202500008274 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Jun 27, 2023 |
| Property Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Document Number | 202300005346 |
| Map Reference | MB 1018 PG 403-434 |
| Instrument Date | Jun 13, 2023 |
| Instrument | 202300005346 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Document Number | 202300005347 |
|---|---|
| Date | Jun 27, 2023 |
| Instrument | 202300005347 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Sep 1, 2020 |
| Property Address | 3121 EDGEWATER DR, CHARLOTTESVILLE, VA 22911-7579 |
| Document Number | 0000011825 |
| Book / Page | 005379 / 000740 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 11825 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3121 EDGEWATER DR CHARLOTTESVILLE VA 229117579, CHARLOTTESVILLE, VA 22911-7579 |
| Document Number | 11826 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 005379/000744 |
| Instrument | 11826 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2050 |
The 2026 property tax bill for 3121 Edgewater Dr was $8,483, up 2.7% 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 | $8,483.00 (+2.7%) | $948,900 (+2.69%) Land $194,700 Building $754,200 | $948,900 (+2.69%) Land $194,700 Building $754,200 |
| 2025 | $8,260.00 | $924,000 Land $172,700 Building $751,300 | $924,000 Land $172,700 Building $751,300 |
| 2024 | $8,260.00 (+39.74%) | ||
| 2023 | $5,911.00 (+9.36%) | $692,200 Land $154,000 Building $538,200 | $692,200 Land $154,000 Building $538,200 |
| 2022 | $5,405.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3121 Edgewater Dr in Zone X, an area of minimal flood risk.
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 | 7 in force |
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 3121 Edgewater Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 281 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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