3591 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 3591 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,833 sqft · built 2003
Lot Size	2.13 acres (92,783 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Dec 2019)
Tax Bill	$8,497 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-009I0`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-009I0`
Alternative APN	`8650`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,833 sqft Finished Area
Basement Area	1,350 sqft
Finished Basement	1,100 sqft
Unfinished Basement	674 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	92,783 sqft (2.13 acres)
Garage Area	420 sqft
Porch	Slab
Porch Area	524 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3591 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5216
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	3
Census Block	3028
Census Tract	10100

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	3591 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage MCLEAN MORTGAGE CORP
Dec 6, 2019	Grant Deed, Transfer · Conventional Mortgage FIRST HERITAGE MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Deed Document Number	201913503
Deed Book / Page	5252 / 25
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3591 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200000934
Date	Jan 24, 2022
Instrument	202200000934

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate	2.87%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 6, 2019
Property Address	3591 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Document Number	0000013503
Book / Page	005252 / 000025
Instrument Date	Dec 2, 2019
Instrument	13503
Transaction Type	Transfer
Record Updated	Jan 3, 2020
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	$575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3591 GARTH RD CHARLOTTESVILLE VA 229015216, CHARLOTTESVILLE, VA 22901-5216

Mortgage

Document Number	13504
Date	Dec 6, 2019
Book Page	005252/000028
Instrument	13504

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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	$8,497.00 (+22.24%)	$950,500 (+22.24%) Land $191,200 Building $759,300	$950,500 (+22.24%) Land $191,200 Building $759,300
2025	$6,951.00 (+16.82%)	$777,600 (+11.6%) Land $172,000 Building $605,600	$777,600 (+11.6%) Land $172,000 Building $605,600
2023	$5,950.00	$696,800 Land $156,000 Building $540,800	$696,800 Land $156,000 Building $540,800

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 Claims	1 (1995)
Most Recent Claim	Jun 1995 · Severe Storms And Flooding

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 64% of the US · above 60% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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