3265 Hardware River Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3265 Hardware River Rd, Charlottesville, VA 22903 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,195 sqft · built 2010
Lot Size	21.2 acres (923,908 sqft)
Owner	Individual Name on File
Tax Bill	$12,783 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`10100-00-00-023G0`

Property Details

APN / Parcel Number

Primary APN	`10100-00-00-023G0`
Alternative APN	`40276`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,195 sqft Finished Area
Basement Area	2,787 sqft
Finished Basement	110 sqft
Unfinished Basement	2,677 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	923,908 sqft (21.2 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	766 sqft
Porch	Slab
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal

Location & Zoning

Street Address	3265 HARDWARE RIVER RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDWARE RIVER FARMS 4
Legal Subdivision	HARDWARE RIVER FARMS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4016
Census Tract	11301

Owner

Source: Albemarle County records · APN 10100-00-00-023G0

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	Individual Name on File
Mailing Address	3265 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jul 15, 2020
Transfer Doc	5354/447
Record Updated	Sep 20, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 22, 2020
Property Address	3265 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000009316
Book / Page	005354 / 000447
Instrument Date	Jul 15, 2020
Instrument	9316
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3265 HARDWARE RIVER RD CHARLOTTESVILLE VA 229037943, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	9317
Date	Jul 22, 2020
Book Page	005354/000451
Instrument	9317

Lender

Name	INTERCOASTAL MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 21, 2035

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	$12,783.00 (+3.3%)	$1,429,900 (+3.29%) Land $358,300 Building $1,071,600	$1,429,900 (+3.29%) Land $358,300 Building $1,071,600
2025	$12,375.00 (+28.17%)	$1,384,300 (+22.44%) Land $293,400 Building $1,090,900	$1,384,300 (+22.44%) Land $293,400 Building $1,090,900
2023	$9,655.00	$1,130,600 Land $228,900 Building $901,700	$1,130,600 Land $228,900 Building $901,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albemarle County (51003C), updated February 3, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510030113014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Southern Albemarle Rural Historic District listed 2007 · 1,869 contributing resources · NRIS 07001236

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.