3285 Hardware River Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3285 Hardware River Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,900 sqft · built 2007
Lot Size	13.7 acres (600,692 sqft)
Owner	Individual Name on File
Last Sale	$509,000 (Jun 2019)
Tax Bill	$7,113 (2026)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10100-00-00-023I0`

Property Details

APN / Parcel Number

Primary APN	`10100-00-00-023I0`
Alternative APN	`40278`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,900 sqft Finished Area
Basement Area	1,212 sqft
Unfinished Basement	1,212 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	600,692 sqft (13.7 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	576 sqft

Exterior Amenities

Porch	Slab
Porch Area	884 sqft
Deck Area	282 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3285 HARDWARE RIVER RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	HARDWARE RIVER FARMS 6
Legal Subdivision	HARDWARE RIVER FARMS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4016
Census Tract	11301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

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	Individual Name on File
Mailing Address	3285 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL MORTGAGE INC
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALLIED MTG
Jun 5, 2019	Grant Deed, Transfer · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Prior Sale	Jun 16, 2011 · Amount on Record
Deed Document Number	20195524
Deed Book / Page	5174 / 634
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3285 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5619/352
Date	Oct 5, 2021
Book Page	5619/352
Instrument	2021-00016853

Lender

Name	LOCAL MORTGAGE INC
Type	Mortgage Company
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3285 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000006182
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3285 HARDWARE RIVER RD CHARLOTTESVILLE VA 229037943, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	0000006182
Date	May 28, 2020
Book Page	005323/000197
Instrument	6182

Lender

Name	ALLIED MTG
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 5, 2019
Property Address	3285 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000005524
Book / Page	005174 / 000634
Instrument Date	May 28, 2019
Instrument	5524
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$509.00
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	3285 HARDWARE RIVER RD CHARLOTTESVILLE VA 229037943, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	5525
Date	Jun 5, 2019
Book Page	005174/000639
Instrument	5525

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

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	$7,113.00 (+9.97%)	$795,600 (+9.97%) Land $298,100 Building $497,500	$795,600 (+9.97%) Land $298,100 Building $497,500
2025	$6,468.00 (+24.48%)	$723,500 (+18.9%) Land $217,700 Building $505,800	$723,500 (+18.9%) Land $217,700 Building $505,800
2023	$5,196.00	$608,500 Land $169,900 Building $438,600	$608,500 Land $169,900 Building $438,600

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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