3640 Echo Valley Rd, Barboursville, VA 22923 Property Records

Albemarle County property record for 3640 Echo Valley Rd, Barboursville, VA 22923

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1754
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$193,400 (Jul 2012)
Tax Bill	$3,470 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03500-00-00-024A0`

Property Details

APN / Parcel Number

Primary APN	`03500-00-00-024A0`
Alternative APN	`7691`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,616 sqft Finished Area
Basement Area	556 sqft
Flooring	Wood

Exterior

Year Built	Built 1754
Effective Year Built	Effective 2025
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)

Exterior Amenities

Porch	Slab
Deck Area	144 sqft
Patio Area	144 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3640 ECHO VALLEY RD
City	BARBOURSVILLE
State	VA
Zip	22923-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1000
Census Tract	10401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Southwest Mountains Rural Historic District listed 1992 · 958 contributing resources · NRIS 92000054

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3640 Echo Valley Rd is owned and occupied by an individual who bought it in July 2012.

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

Owner of Record	Individual Name on File
Mailing Address	3640 ECHO VALLEY RD, BARBOURSVILLE, VA 22923-2203
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA COMMUNITY CREDIT UNION
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2012 · Amount on File
Deed Sale	Jul 26, 2012 · Amount on File
Deed Document Number	20129476
Deed Book / Page	4205 / 431
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	May 22, 2026
Property Address	3640 ECHO VALLEY RD, BARBOURSVILLE, VA 22923-2203
Document Number	0000004916
Instrument Date	May 14, 2026
Instrument	20264916
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3640 ECHO VALLEY RD, BARBOURSVILLE, VA 22923-2203
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004916,
Date	May 22, 2026
Instrument	20264916

Lender

Name	UNIVERSITY/VA COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3640 ECHO VALLEY RD, BARBOURSVILLE, VA 22923-2203
Transaction Type	Mortgage
Record Updated	Jul 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200007295
Date	Jun 16, 2022
Instrument	202200007295

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3640 ECHO VALLEY RD, BARBOURSVILLE, VA 22923-2203
Document Number	0000010602
Instrument Date	Aug 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3640 ECHO VALLEY RD BARBOURSVILLE VA 229232203, BARBOURSVILLE, VA 22923-2203

Mortgage

Document Number	0000010602
Date	Aug 12, 2020
Book Page	005367/000233
Instrument	10602

Lender

Name	CAPITAL CTR
Type	Funding / Finance Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 11, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3640 Echo Valley Rd was $3,470, up 49.9% 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	$3,470.00 (+49.89%)	$388,100 (+49.85%) Land $80,900 Building $307,200	$388,100 (+49.85%) Land $80,900 Building $307,200
2025	$2,315.00	$259,000 Land $80,900 Building $178,100	$259,000 Land $80,900 Building $178,100
2023	$2,188.00	$256,300 Land $74,300 Building $182,000	$256,300 Land $74,300 Building $182,000

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

Flood

FEMA maps place 3640 Echo Valley Rd in Zone X, an area of minimal flood risk.

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	4 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.

Wildfire

Wildfire risk around 3640 Echo Valley Rd is low, with a 0.02% annual chance of wildfire.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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