Albemarle County property record for 3270 Cold Spring Rd, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,520 sqft · built 2001 |
| Lot Size | 7.7 acres (335,543 sqft) |
| Owner | Company on Record |
| Tax Bill | $21,471 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07400-00-00-017A5 |
| Primary APN | 07400-00-00-017A5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,520 sqft Finished Area |
| Basement Area | 2,126 sqft |
| Finished Basement | 541 sqft |
| Unfinished Basement | 1,585 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 335,543 sqft (7.7 acres) |
| Driveway | Paver Driveway |
| Porch | Slab |
| Porch Area | 133 sqft |
| Patio Area | 1,148 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3270 COLD SPRING RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-7846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | COLD SPRING HOLLOW 6 |
| Legal Subdivision | COLD SPRING HOLLOW |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 11000 |
Source: Albemarle County assessment roll, as of June 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company on Record |
|---|---|
| Mailing Address | 3270 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7846 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 20, 2014 |
| Transfer Doc | 0000011710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3270 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7846 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3270 COLD SPRING RD, CHARLOTTESVILLE, VA 22903-7846 |
| Document Number | 202200012973 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | 202200012973 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTESVILLE, VA 22911 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $21,471.00 (+14.63%) | $2,401,700 (+14.63%) Land $387,800 Building $2,013,900 | $2,401,700 (+14.63%) Land $387,800 Building $2,013,900 |
| 2025 | $18,731.00 (+17.98%) | $2,095,200 (+12.7%) Land $399,100 Building $1,696,100 | $2,095,200 (+12.7%) Land $399,100 Building $1,696,100 |
| 2023 | $15,876.00 | $1,859,100 Land $342,200 Building $1,516,900 | $1,859,100 Land $342,200 Building $1,516,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 4 (2010–2018) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | May 2018 · rainfall accumulation |
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile DSL | 10 / 1 |
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