3281 Arbor Trce, Charlottesville, VA 22911 Property Records

Albemarle County property record for 3281 Arbor Trce, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1990
Lot Size	0.101 acres (4,411 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jan 2018)
Tax Bill	$4,159 (2026)
Deeds & Mortgages	Nov 2022 Sale Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046B4-01-0F-02400`

Property Details

APN / Parcel Number

Primary APN	`046B4-01-0F-02400`
Alternative APN	`12825`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,664 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	4,411 sqft (0.101 acres)
View / Lot	Proximity to Airport

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Patio Area	48 sqft
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3281 ARBOR TRCE
City	CHARLOTTESVILLE
State	VA
Zip	22911-7580
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	FOREST LAKES TOWNHOUSES A F 24
Legal Subdivision	FOREST LAKES TOWNHOUSES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1000
Census Tract	10303

Owner

3281 Arbor Trce is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3281 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7580
Occupancy	Owner Occupied
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
Nov 15, 2022	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Apr 16, 2018	Deed of Trust, Mortgage · Line of Credit VIRGINIA CU
Jan 16, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2018 · Amount on File
Deed Sale	Jan 16, 2018 · Amount on File
Deed Document Number	2018497
Deed Book / Page	5004 / 537
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 15, 2022
Property Address	3281 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7580
Document Number	202200012837
Map Reference	MB 1098 PG 304&305
Instrument Date	Nov 1, 2022
Instrument	202200012837
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3281 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7580

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3281 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7580
Document Number	0000004186
Instrument Date	Apr 16, 2018
Transaction Type	Mortgage
Record Updated	May 3, 2018
Title Company	TITLE FIRST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 ARBOR TRCE CHARLOTTESVILLE VA 229117580, CHARLOTTESVILLE, VA 22911-7580

Mortgage

Document Number	0000004186
Date	Apr 23, 2018
Book Page	005037/000231
Instrument	4186

Lender

Name	VIRGINIA CU
Type	Credit Union
Address	RICHMOND, VA 23225-9010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 22, 2038

Interest

Rate Type	Adjustable Rate

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 16, 2018
Property Address	3281 ARBOR TRCE, CHARLOTTESVILLE, VA 22911-7580
Document Number	0000000497
Book / Page	005004 / 000537
Instrument Date	Dec 27, 2017
Instrument	497
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3281 ARBOR TRCE CHARLOTTESVILLE VA 229117580, CHARLOTTESVILLE, VA 22911-7580

Tax Assessment & Valuation

The 2026 property tax bill for 3281 Arbor Trce was $4,159, down 1.2% 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	$4,159.00 (-1.19%)	$465,200 Land $89,100 Building $376,100	$465,200 Land $89,100 Building $376,100
2025	$4,209.00
2023	$3,170.00	$371,200 Land $79,200 Building $292,000	$371,200 Land $79,200 Building $292,000

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

Flood

FEMA maps place 3281 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 3281 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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