3295 Hardware River Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3295 Hardware River Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,200 sqft
Lot Size	21 acres (916,502 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (May 2018)
Tax Bill	$12,825 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10100-00-00-023J0`

Property Details

APN / Parcel Number

Primary APN	`10100-00-00-023J0`
Alternative APN	`40279`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,200 sqft Finished Area
Basement Area	2,231 sqft
Unfinished Basement	2,231 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	916,502 sqft (21 acres)
Garage Area	660 sqft
Porch	Slab
Deck Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3295 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 7
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	Individual Name on Record
Mailing Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BK
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST BANK & TRUST CO
Jun 18, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST BK & TR CO
May 23, 2018	Grant Deed, Subdivision Related Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Deed Document Number	20185606
Deed Book / Page	5050 / 353
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	May 6, 2026
Property Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000004363
Instrument Date	Apr 28, 2026
Instrument	20264363
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943

Mortgage

Document Number	0000004363,
Date	May 6, 2026
Instrument	20264363

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2056

Interest

Rate	6.46%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005556/129
Date	Jun 14, 2021
Book Page	5556/129
Instrument	2021-00010414

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	BRISTOL, VA 24202

Agreement

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

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 18, 2020
Property Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000007368
Book / Page	005335 / 000427
Instrument Date	Jun 17, 2020
Instrument	7368
Transaction Type	Construction Loan
Record Updated	Aug 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 HARDWARE RIVER FARMS CHARLOTTESVILLE VA 22903, CHARLOTTESVILLE, VA 22903

Mortgage

Document Number	0000007368
Date	Jun 18, 2020
Book Page	005335/000427
Instrument	7368

Lender

Name	FIRST BK & TR CO
Address	BRISTOL, VA 24202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 17, 2021

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 23, 2018
Property Address	3295 HARDWARE RIVER RD, CHARLOTTESVILLE, VA 22903-7943
Document Number	0000005606
Book / Page	005050 / 000353
Instrument Date	May 10, 2018
Instrument	5606
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$180.00
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	1831 OLD LYNCHBURG RD CHARLOTTESVILLE VA 229037901, CHARLOTTESVILLE, VA 22903-7901

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	$12,825.00 (+6.75%)	$1,434,600 (+6.75%) Land $432,800 Building $1,001,800	$1,434,600 (+6.75%) Land $432,800 Building $1,001,800
2025	$12,014.00 (+26.33%)	$1,343,900 (+20.68%) Land $322,100 Building $1,021,800	$1,343,900 (+20.68%) Land $322,100 Building $1,021,800
2023	$9,510.00	$1,113,600 Land $251,400 Building $862,200	$1,113,600 Land $251,400 Building $862,200

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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