3199 Cold Spring Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3199 Cold Spring Rd, Charlottesville, VA 22903 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4.5 Baths
Year Built	Built 1997
Square Footage	4,224 sqft Finished Area
Lot Size	917,896 sqft (21 acres)
Occupancy	Owner Occupied
Last Sale	$1,100,000 (2018)
Tax Bill	$15,976.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`07400-00-00-017A3`
Alternative APN	`29905`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	10 Rooms
Building Area	4,224 sqft Finished Area
Basement Area	1,129 sqft Basement
Unfinished Basement	1,148 sqft Unfinished
Family Room	Family Room
Stories	2 Stories
Primary Flooring	Wood Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Exterior
Construction Type	Wood Construction
Roof Material	Wood Roof
Lot Area	917,896 sqft (21 acres)
Driveway	Driveway Paver
Garage Area	621 sqft Garage
Porch Area	798 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Street Address	3199 COLD SPRING RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7845
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	COLD SPRING HOLLOW LOT 4
Legal Subdivision	COLD SPRING HOLLOW
Jurisdiction	ALBEMARLE VA
Minor Civil Division	SAMUEL MILLER
Census Blockgroup	4
Census Block	4012
Census Tract	11000

Owner

Source: Albemarle County records · APN 07400-00-00-017A3

Assessment roll updated June 15, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Owner is a Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Intrafamily Transfer, Transfer
Jan 25, 2020	Deed of Trust, Mortgage US BK
Dec 19, 2019	Quit Claim Deed, Transfer SERVICELINK
Aug 13, 2019	Deed of Trust, Mortgage US BK
Jun 22, 2018	Grant Deed, Transfer OVM FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Deed Doc Number	20186909
Deed Book / Page	5063 / 333
Last Transfer Date	Apr 13, 2023
Transfer Doc	0000002871
Record Refreshed	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 14, 2023
Property Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Document Number	202300002871
Map Reference	MB 1130 PG 294&295
Instrument Date	Apr 13, 2023
Instrument	202300002871
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Document Number	0000001066
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Feb 07, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3199 COLD SPRING RD CHARLOTTESVILLE VA 229037845, CHARLOTTESVILLE, VA 22903-7845

Mortgage

Document Number	0000001066
Date	Jan 28, 2020
Book Page	005271/000244
Instrument	1066

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 19, 2019
Property Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Document Number	0000014091
Book / Page	005257 / 000739
Instrument Date	Nov 04, 2019
Instrument	14091
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Document

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3199 COLD SPRING RD CHARLOTTESVILLE VA 229037845, CHARLOTTESVILLE, VA 22903-7845

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Document Number	0000008840
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 02, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3199 COLD SPRING RD CHARLOTTESVILLE VA 229037845, CHARLOTTESVILLE, VA 22903-7845

Mortgage

Document Number	0000008840
Date	Aug 15, 2019
Book Page	005207/000017
Instrument	8840

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 22, 2018
Property Address	3199 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7845
Document Number	0000006909
Book / Page	005063 / 000333
Instrument Date	Jun 07, 2018
Instrument	6909
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3199 COLD SPRING RD CHARLOTTESVILLE VA 229037845, CHARLOTTESVILLE, VA 22903-7845

Mortgage

Document Number	6910
Date	Jun 22, 2018
Book Page	005063/000337
Instrument	6910

Lender

Name	OVM FIN'L
Address	CHESAPEAKE, VA 23320

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Albemarle County
Unified School District	Albemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,976.00 (+13.64%)	$1,787,000 (+13.64%) Land $623,700 Building $1,163,300	$1,787,000 (+13.64%) Land $623,700 Building $1,163,300
2025	$14,058.00 (+15.37%)	$1,572,500 (+10.2%) Land $603,600 Building $968,900	$1,572,500 (+10.2%) Land $603,600 Building $968,900
2023	$12,185.00	$1,426,900 Land $517,600 Building $909,300	$1,426,900 Land $517,600 Building $909,300

Flood & Wildfire

3199 Cold Spring Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Albemarle County (51003C), updated February 3, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 29th in Virginia
Wildfire Likelihood	Low — about 1 in 4,762 per year
Exposure	Direct burnable vegetation at the parcel

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

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