3985 Carters Mountain Rd, Charlottesville, VA 22902 Property Records

Albemarle County property record for 3985 Carters Mountain Rd, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1986
Lot Size	83.6 acres (3,642,052 sqft)
Owner	Individual Name on Record
Tax Bill	$3,927 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10200-00-00-040B0`

Property Details

APN / Parcel Number

Primary APN	`10200-00-00-040B0`
Alternative APN	`40535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,424 sqft Finished Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Logs
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,642,052 sqft (83.6 acres)
View / Lot	Flood Plain/Flood Zone

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Deck Area	270 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3985 CARTERS MOUNTAIN RD
City	CHARLOTTESVILLE
State	VA
Zip	22902-7722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	5
Census Block	5013
Census Tract	11301

Historic Designation

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

Historic District	Within the Southern Albemarle Rural Historic District listed 2007 · 1,869 contributing resources · NRIS 07001236
Individually Listed	Redlands listed 1969 · 1 contributing resources · NRIS 69000218

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

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	92 INDUSTRIAL WAY, A, TROY, VA 22974-3963
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 30, 2020
Property Address	3985 CARTERS MOUNTAIN RD, CHARLOTTESVILLE, VA 22902-7722
Document Number	0000015471
Book / Page	005417 / 000028
Instrument Date	Oct 28, 2020
Instrument	15471
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	92A INDUSTRIAL WAY TROY VA 229743963, TROY, VA 22974-3963

Mortgage

Document Number	15472
Date	Oct 30, 2020
Book Page	005417/000036
Instrument	15472

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

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	$3,927.00 (-66.41%)	$1,342,700 (+2.68%) Land $1,059,900 Building $282,800	$1,342,700 (+2.68%) Land $1,059,900 Building $282,800
2025	$11,690.00 (+268.54%)	$1,307,700 (+5.85%) Land $1,037,900 Building $269,800	$1,307,700 (+5.85%) Land $1,037,900 Building $269,800
2023	$3,172.00	$1,235,400 Land $1,018,400 Building $217,000	$1,235,400 Land $1,018,400 Building $217,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 71% 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, as of December 31, 2025

Cell Coverage

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

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