3288 Hardware River Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3288 Hardware River Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,639 sqft
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,950,000 (Jul 2025)
Tax Bill	$16,613 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10100-00-00-023K0`

Property Details

APN / Parcel Number

Primary APN	`10100-00-00-023K0`
Alternative APN	`40280`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,639 sqft Finished Area
Basement Area	2,671 sqft
Finished Basement	1,800 sqft
Unfinished Basement	2,671 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	222,156 sqft (5.1 acres)
Garage Area	1,056 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,108 sqft
Deck Area	356 sqft
Patio Area	626 sqft
Balcony Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3288 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 8
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 records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3288 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Mar 13, 2017	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Mar 13, 2017	Deed of Trust, Mortgage MVB MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2025 · Amount on Record
Deed Sale	Jul 21, 2025 · Amount on Record
Deed Document Number	20256722
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0000006189
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3288 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300000506
Date	Jan 23, 2023
Instrument	202300000506

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3288 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Transaction Type	Mortgage
Record Updated	May 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5530/95
Date	Apr 30, 2021
Book Page	5530/95
Instrument	2021-00007650

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3288 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000003084
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3288 HARDWARE RIVER RD CHARLOTTESVILLE VA 229037943, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	0000003084
Date	Mar 17, 2017
Book Page	004886/000688
Instrument	3084

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3288 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000003083
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3288 HARDWARE RIVER RD CHARLOTTESVILLE VA 229037943, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	0000003083
Date	Mar 17, 2017
Book Page	004886/000675
Instrument	3083

Lender

Name	MVB MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

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	$16,613.00 (+26.67%)	$1,858,300 (+26.66%) Land $183,300 Building $1,675,000	$1,858,300 (+26.66%) Land $183,300 Building $1,675,000
2025	$13,115.00 (+22.09%)	$1,467,100 (+16.63%) Land $150,200 Building $1,316,900	$1,467,100 (+16.63%) Land $150,200 Building $1,316,900
2023	$10,742.00	$1,257,900 Land $117,200 Building $1,140,700	$1,257,900 Land $117,200 Building $1,140,700

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
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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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