3228 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 3228 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,604 sqft
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,488,748 (Mar 2026)
Tax Bill	$7,536 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-03900`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-03900`
Alternative APN	`8742`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,604 sqft Finished Area
Basement Area	2,328 sqft
Finished Basement	1,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	130,680 sqft (3 acres)
Garage Area	528 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3228 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE 1
Legal Subdivision	KIRK HUGHES ASSOCIATES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3032
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	2 Individual Names on Record
Mailing Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Unknown UNITED BANK
Apr 4, 2025	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Mar 10, 2026	Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Aug 1, 2024	Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Aug 1, 2024 · Amount on Record
Deed Document Number	20262117
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202500010771
Date	Nov 13, 2025
Instrument	202500010771

Lender

Name	UNITED BANK
Type	Bank
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Unknown
Amount	Amount Recorded

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201
Transaction Type	Mortgage
Record Updated	Jun 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202500002946
Date	Apr 4, 2025
Instrument	202500002946

Lender

Name	UNITED BANK
Type	Bank
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 10, 2026
Property Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201
Document Number	202600002117
Map Reference	MB 1117 PG 723
Instrument Date	Feb 20, 2026
Instrument	202600002117
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,489.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201

Mortgage

Document Number	202600002118
Date	Mar 10, 2026
Instrument	202600002118

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 1, 2024
Property Address	3228 GARTH RD, CHARLOTTESVILLE, VA 22901-5201
Document Number	202400006370
Map Reference	MB 1117 PG 723
Instrument Date	Jul 26, 2024
Instrument	202400006370
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1147 RIVER RD, CHARLOTTESVILLE, VA 22901-4172
Investor	Possibly a Property Investor

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	$7,536.00 (+326.24%)	$1,050,800 (+431.24%) Land $219,900 Building $830,900	$1,050,800 (+431.24%) Land $219,900 Building $830,900
2025	$1,768.00 (+15.4%)	$197,800 (+10.26%) Land $197,800	$197,800 (+10.26%) Land $197,800
2023	$1,532.00	$179,400 Land $179,400	$179,400 Land $179,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% 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 7 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 only, no 5G reported

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