3430 Ballards Mill Rd, Free Union, VA 22940 Property Records

Albemarle County property record for 3430 Ballards Mill Rd, Free Union, VA 22940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,890 sqft · built 2017
Lot Size	15.5 acres (677,794 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Feb 2015)
Tax Bill	$8,379 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02800-00-00-011A0`

Property Details

APN / Parcel Number

Primary APN	`02800-00-00-011A0`
Alternative APN	`3974`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,890 sqft Finished Area
Basement Area	1,854 sqft
Unfinished Basement	1,854 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Metal
Lot Area	677,794 sqft (15.5 acres)

Exterior Amenities

Porch	Slab
Porch Area	576 sqft
Shed	1 Shed
Shed Area	624 sqft
Storage Building	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3430 BALLARDS MILL RD
City	FREE UNION
State	VA
Zip	22940-2026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	2
Census Block	2037
Census Tract	10100

Owner

3430 Ballards Mill Rd is owned and occupied by an individual who acquired it in April 2017.

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

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

Owner of Record	Individual Name on File
Mailing Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage ASIA BANK NATIONAL ASSOCIATION
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MTG
Feb 5, 2018	Deed of Trust, Mortgage FIRST HERITAGE MTG
Jul 13, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST HERITAGE MTG
Apr 11, 2017	Quit Claim Deed, Construction Loan · Line of Credit FIRST HERITAGE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2015 · Amount on File
Deed Sale	Feb 5, 2015 · Amount on File
Deed Document Number	20151045
Last Transfer Date	Apr 10, 2017
Transfer Doc	0000004013
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 2, 2026
Property Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Document Number	0000005276
Instrument Date	May 28, 2026
Instrument	20265276
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005276,
Date	Jun 2, 2026
Instrument	20265276

Lender

Name	ASIA BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Document Number	0000010686
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3430 BALLARDS MILL RD FREE UNION VA 229402026, FREE UNION, VA 22940-2026

Mortgage

Document Number	0000010686
Date	Aug 13, 2020
Book Page	005368/000051
Instrument	10686

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Document Number	0000001340
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3430 BALLARDS MILL RD FREE UNION VA 229402026, FREE UNION, VA 22940-2026

Mortgage

Document Number	0000001340
Date	Feb 9, 2018
Book Page	005012/000154
Instrument	1340

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2048

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 13, 2017
Property Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Book / Page	004934 / 000172
Instrument Date	Apr 10, 2017
Instrument	7938
Transaction Type	Construction Loan
Record Updated	Aug 31, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3430 BALLARDS MILL RD FREE UNION VA 22940, FREE UNION, VA 22940

Mortgage

Document Number	0000007938
Date	Jul 13, 2017
Book Page	004934/000172
Instrument	7938

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

April 2017: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 11, 2017
Property Address	3430 BALLARDS MILL RD, FREE UNION, VA 22940-2026
Document Number	0000004013
Book / Page	004895 / 000354
Instrument Date	Apr 10, 2017
Instrument	4013
Transaction Type	Construction Loan
Record Updated	Jul 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1076 HIGHLANDS DR CHARLOTTESVILLE VA 229019201, CHARLOTTESVILLE, VA 22901-9201

Mortgage

Document Number	4014
Date	Apr 11, 2017
Book Page	004895/000357
Instrument	4014

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 3430 Ballards Mill Rd was $8,379, up 6.1% 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	$8,379.00 (+6.1%)	$937,200 (+6.09%) Land $271,800 Building $665,400	$937,200 (+6.09%) Land $271,800 Building $665,400
2025	$7,897.00	$883,400 Land $240,300 Building $643,100	$883,400 Land $240,300 Building $643,100
2023	$7,186.00	$841,500 Land $236,000 Building $605,500	$841,500 Land $236,000 Building $605,500

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

Flood

FEMA maps place 3430 Ballards Mill Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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
Nearby Flood Claims	3 (2003–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2018 · Hurricane Florence

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 3430 Ballards Mill Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% 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 6 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 (outdoors only) and 4G LTE

Nearby Properties on Ballards Mill Rd

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