3593 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 3593 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,633 sqft · built 2003
Lot Size	2.12 acres (92,521 sqft)
Owner	Individual Name on File
Last Sale	$573,000 (Jun 2012)
Tax Bill	$7,335 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-009L0`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-009L0`
Alternative APN	`8653`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,633 sqft Finished Area
Basement Area	1,258 sqft
Finished Basement	1,258 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
Roof Material	Other
Lot Area	92,521 sqft (2.12 acres)
Garage Area	529 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	248 sqft
Deck Area	184 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3593 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 PARCEL A
Legal Subdivision	ROUDABUSH
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3028
Census Tract	10100

Owner

3593 Garth Rd is owned and occupied by an individual who bought it in June 2012.

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	3593 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 9, 2018	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK/NE GA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2012 · Amount on File
Deed Sale	Jun 20, 2012 · Amount on File
Deed Document Number	20127846
Deed Book / Page	4190 / 139
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3593 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202600000542
Date	Jan 20, 2026
Instrument	202600000542

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3593 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005649/767
Date	Dec 6, 2021
Book Page	5649/767
Instrument	202100020018

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Oct 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3593 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5512/308
Date	Apr 2, 2021
Book Page	5512/308
Instrument	2021-00005847

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	3593 GARTH RD, CHARLOTTESVILLE, VA 22901-5216
Document Number	0000005482
Instrument Date	May 9, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3593 GARTH RD CHARLOTTESVILLE VA 229015216, CHARLOTTESVILLE, VA 22901-5216

Mortgage

Document Number	0000005482
Date	May 21, 2018
Book Page	005049/000228
Instrument	5482

Lender

Name	SUNTRUST BK/NE GA
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3593 Garth Rd was $7,335, up 2.3% 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	$7,335.00 (+2.26%)	$820,500 (+2.26%) Land $191,200 Building $629,300	$820,500 (+2.26%) Land $191,200 Building $629,300
2025	$7,173.00	$802,400 Land $172,000 Building $630,400	$802,400 Land $172,000 Building $630,400
2023	$6,104.00	$714,800 Land $156,000 Building $558,800	$714,800 Land $156,000 Building $558,800

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

Flood

FEMA maps place 3593 Garth Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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

Wildfire risk around 3593 Garth Rd is low, with a 0.04% annual chance of 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

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 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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