3972 Ivy Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 3972 Ivy Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,918 sqft · built 1900
Lot Size	4.11 acres (179,032 sqft)
Owner	2 Individual Names on File
Last Sale	$1,750,000 (Dec 2025)
Tax Bill	$14,621 (2026)
Deeds & Mortgages	May 2026 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05800-00-00-090A0`

Property Details

APN / Parcel Number

Primary APN	`05800-00-00-090A0`
Alternative APN	`19124`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,918 sqft Finished Area
Basement Area	2,515 sqft
Finished Basement	100 sqft
Unfinished Basement	1,492 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Metal
Lot Area	179,032 sqft (4.11 acres)
Garage Type	Detached
Garage Area	960 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	741 sqft
Deck Area	396 sqft
Patio Area	702 sqft
Storage Building	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	3972 IVY RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE B ROBIN HILL
Legal Subdivision	ROBIN HILL
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4003
Census Tract	11000

Owner

3972 Ivy Rd is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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 12, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 10, 2025	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 2, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Jul 2, 2020 · Amount on File
Deed Document Number	202511718
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	May 12, 2026
Property Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006
Document Number	0000004526
Instrument Date	May 4, 2026
Instrument	20264526
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006

Mortgage

Document Number	0000004526,
Date	May 12, 2026
Instrument	20264526

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 10, 2025
Property Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006
Document Number	202500011718
Instrument Date	Dec 5, 2025
Instrument	202500011718
Transaction Type	Transfer
Record Updated	Jan 8, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,823.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006

Mortgage

Document Number	202500011719
Date	Dec 10, 2025
Instrument	202500011719

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jul 2, 2020
Property Address	3972 IVY RD, CHARLOTTESVILLE, VA 22903-7006
Document Number	0000008253
Book / Page	005344 / 000111
Instrument Date	Jun 18, 2020
Instrument	8253
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 IVY RD CHARLOTTESVILLE VA 229037006, CHARLOTTESVILLE, VA 22903-7006

Tax Assessment & Valuation

The 2026 property tax bill for 3972 Ivy Rd was $14,621, down 16.7% 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	$14,621.00 (-16.73%)	$1,830,600 (+0.43%) Land $471,300 Building $1,359,300	$1,830,600 (+0.43%) Land $471,300 Building $1,359,300
2025	$17,558.00	$1,822,800 Land $512,000 Building $1,310,800	$1,822,800 Land $512,000 Building $1,310,800
2023	$13,781.00	$1,613,700 Land $464,400 Building $1,149,300	$1,613,700 Land $464,400 Building $1,149,300

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

Flood

FEMA maps place 3972 Ivy Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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	3 in force
Nearby Flood Claims	4 (2010–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2018 · rainfall accumulation

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 3972 Ivy 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 59 locations within half a mile, as of December 31, 2025

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

May also be available: Brightspeed, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ivy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures