Albemarle County property record for 3496 Morgantown Rd, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6.5 ba · 5,894 sqft · built 2018 |
| Lot Size | 22.7 acres (988,812 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $600,000 (Nov 2016) |
| Tax Bill | $32,823 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05700-00-00-081B0 |
| Primary APN | 05700-00-00-081B0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 5,894 sqft Finished Area |
| Basement Area | 1,488 sqft |
| Finished Basement | 1,260 sqft |
| Unfinished Basement | 228 sqft |
| Family Room | Family Room |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Roof Material | Metal |
| Lot Area | 988,812 sqft (22.7 acres) |
| Porch | Slab |
| Porch Area | 75 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3496 MORGANTOWN RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-7055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | ACREAGE HARDENDALE WEST |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 11000 |
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 | 3496 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2016 · Amount on Record |
| Deed Sale | Nov 8, 2016 · Amount on Record |
| Deed Document Number | 201612783 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3496 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7055 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200012666 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 202200012666 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.1% |
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $32,823.00 (+123.18%) | $3,671,500 (+42.75%) Land $331,800 Building $3,339,700 | $3,671,500 (+42.75%) Land $331,800 Building $3,339,700 |
| 2025 | $14,707.00 (-1.35%) | $2,571,900 (+47.31%) Land $321,900 Building $2,250,000 | $2,571,900 (+47.31%) Land $321,900 Building $2,250,000 |
| 2023 | $14,909.00 | $1,745,900 Land $158,300 Building $1,587,600 | $1,745,900 Land $158,300 Building $1,587,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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