3621 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 3621 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,075 sqft · built 1971
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$2,940 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04200-00-00-009F1`

Property Details

APN / Parcel Number

Primary APN	`04200-00-00-009F1`
Alternative APN	`8647`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,075 sqft Finished Area
Basement Area	1,075 sqft
Finished Basement	1,075 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Driveway	Paver Driveway
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Street Address	3621 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5214
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 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	3621 GARTH RD, CHARLOTTESVILLE, VA 22901-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2018	Deed of Trust, Mortgage · Conventional with PMI US BK
Jan 22, 2018	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3621 GARTH RD, CHARLOTTESVILLE, VA 22901-5214
Document Number	0000000831
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 9, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3621 GARTH RD CHARLOTTESVILLE VA 229015214, CHARLOTTESVILLE, VA 22901-5214

Mortgage

Document Number	0000000831
Date	Jan 24, 2018
Book Page	005007/000383
Instrument	831

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	276 Months
Due	Jan 23, 2041

Interest

Rate	4.25%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3621 GARTH RD, CHARLOTTESVILLE, VA 22901-5214
Document Number	0000000934
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3621 GARTH RD CHARLOTTESVILLE VA 229015214, CHARLOTTESVILLE, VA 22901-5214

Mortgage

Document Number	0000000934
Date	Jan 25, 2018
Book Page	005008/000398
Instrument	934

Lender

Name	US BK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate

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	$2,940.00 (+3.16%)	$328,900 (+3.14%) Land $114,700 Building $214,200	$328,900 (+3.14%) Land $114,700 Building $214,200
2025	$2,850.00 (+31.88%)	$318,900 (+26%) Land $103,200 Building $215,700	$318,900 (+26%) Land $103,200 Building $215,700
2023	$2,161.00	$253,100 Land $93,600 Building $159,500	$253,100 Land $93,600 Building $159,500

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 59% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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