Albemarle County property record for 3738 Morgantown Rd, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,909 sqft · built 1910 |
| Lot Size | 7.7 acres (335,412 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $15,230 (2026) |
| Deeds & Mortgages | Aug 2023 Construction Loan May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05700-00-00-08000 |
| Primary APN | 05700-00-00-08000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,909 sqft Finished Area |
| Basement Area | 612 sqft |
| Unfinished Basement | 612 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 335,412 sqft (7.7 acres) |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Driveway | Paver Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 872 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Shed | 1 Shed |
| Shed Area | 324 sqft |
| Stable | 336 sqft |
| Storage Building | 640 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Street Address | 3738 MORGANTOWN RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-7058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | ACREAGE |
| Legal Subdivision | HUGH F SIMMS AND SON |
| 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 | 3738 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2023 | Deed of Trust, Mortgage · Construction Mortgage FULTON BANK NA |
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK |
| May 20, 2021 | Deed of Trust, Mortgage · Commercial Mortgage EAGLE BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3738 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7058 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3738 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7058 |
| Document Number | 202300007178 |
|---|---|
| Date | Aug 18, 2023 |
| Instrument | 202300007178 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Mar 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 12.5% |
| Margin | 3 |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3738 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7058 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5541/778 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 5541/778 |
| Instrument | 2021-00008953 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20852 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3738 MORGANTOWN RD, CHARLOTTESVILLE, VA 22903-7058 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5542/1 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 5542/1 |
| Instrument | 2021-00008954 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20852 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $15,230.00 (+18.39%) | $1,703,600 (+84.69%) Land $423,900 Building $1,279,700 | $1,703,600 (+84.69%) Land $423,900 Building $1,279,700 |
| 2025 | $12,864.00 (+63.31%) | ||
| 2023 | $7,877.00 | $922,400 Land $353,300 Building $569,100 | $922,400 Land $353,300 Building $569,100 |
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 35 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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