3276 Arbor Trce, Charlottesville, VA 22911 Property Records

Albemarle County property record for 3276 Arbor Trce, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,682 sqft · built 1990
Lot Size	0.056 acres (2,439 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jan 2020)
Tax Bill	$2,934 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046B4-01-0D-01400`

Property Details

APN / Parcel Number

Primary APN	`046B4-01-0D-01400`
Alternative APN	`12815`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,682 sqft Finished Area
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,439 sqft (0.056 acres)
View / Lot	Proximity to Airport

Exterior Amenities

Porch	Slab
Porch Area	265 sqft
Shed	1 Shed
Shed Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3276 ARBOR TRCE
City	CHARLOTTESVILLE
State	VA
Zip	22911-7500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	FOREST LAKES TOWNHOUSES LOT 14 BLK D SEC A
Legal Subdivision	FOREST LAKES TOWNHOUSES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1000
Census Tract	10303

Owner

3276 Arbor Trce is owned by an individual who bought it in January 2020.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	2420 WAKEFIELD RD, CHARLOTTESVILLE, VA 22901-1820
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SANDY SPRING BK
Jan 21, 2020	Grant Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2020 · Amount on File
Deed Sale	Jan 21, 2020 · Amount on File
Deed Document Number	2020679
Deed Book / Page	5268 / 122
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3276 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7500
Document Number	0000018035
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	ADVANTAGE SETTLEMENT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3276 ARBOR TRCE CHARLOTTESVILLE VA 229117500, CHARLOTTESVILLE, VA 22911-7500

Mortgage

Document Number	0000018035
Date	Dec 11, 2020
Book Page	005442/000051
Instrument	18035

Lender

Name	SANDY SPRING BK
Type	Bank
Address	OLNEY, MD 20832

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 21, 2020
Property Address	3276 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7500
Document Number	0000000679
Book / Page	005268 / 000122
Instrument Date	Jan 6, 2020
Instrument	679
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	COURT SQUARE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2420 WAKEFIELD RD CHARLOTTESVILLE VA 229011820, CHARLOTTESVILLE, VA 22901-1820

Mortgage

Document Number	681
Date	Jan 21, 2020
Book Page	005268/000130
Instrument	681

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3276 Arbor Trce was $2,934, up 3.2% from the year before.

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	$2,934.00 (+3.16%)	$328,200 (+3.14%) Land $85,100 Building $243,100	$328,200 (+3.14%) Land $85,100 Building $243,100
2025	$2,844.00	$318,200 Land $80,300 Building $237,900	$318,200 Land $80,300 Building $237,900
2023	$2,293.00	$268,600 Land $75,600 Building $193,000	$268,600 Land $75,600 Building $193,000

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

Flood

FEMA maps place 3276 Arbor Trce 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

Wildfire risk around 3276 Arbor Trce 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ting.

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