3991 Carters Mountain Rd, Charlottesville, VA 22902 Property Records

Albemarle County property record for 3991 Carters Mountain Rd, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1986
Lot Size	7.56 acres (329,314 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Oct 2025)
Tax Bill	$5,829 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10200-00-00-040C0`

Property Details

APN / Parcel Number

Primary APN	`10200-00-00-040C0`
Alternative APN	`40536`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,296 sqft Finished Area
Basement Area	864 sqft
Finished Basement	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2025
Exterior Material	Logs
Construction Type	Wood
Roof Material	Wood
Lot Area	329,314 sqft (7.56 acres)
Deck Area	344 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3991 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 A
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

3991 Carters Mountain Rd is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3991 CARTERS MOUNTAIN RD, CHARLOTTESVILLE, VA 22902-7722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 28, 2025	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2021	Deed, Transfer · Stand-Alone First Mortgage ASHLEIGH PIVONKA
Oct 30, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Sep 15, 2021 · Amount on File
Deed Document Number	202510195
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 28, 2025
Property Address	3991 CARTERS MOUNTAIN RD, CHARLOTTESVILLE, VA 22902-7722
Document Number	202500010195
Map Reference	DOC 202200002311
Instrument Date	Oct 28, 2025
Instrument	202500010195
Transaction Type	Transfer
Record Updated	Apr 3, 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	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3991 CARTERS MOUNTAIN RD, CHARLOTTESVILLE, VA 22902-7722

Mortgage

Document Number	202500010196
Date	Oct 28, 2025
Instrument	202500010196

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 15, 2021
Property Address	3991 CARTERS MOUNTAIN RD, CHARLOTTESVILLE, VA 22902-7722
Document Number	0005608/56
Book / Page	5608 / 56
Instrument Date	Sep 13, 2021
Instrument	2021-00015774
Transaction Type	Transfer
Record Updated	Jun 15, 2023
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	$314.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 CHARTERHOUSE CT, KESWICK, VA 22947-9203

Mortgage

Document Number	202100015775
Date	Sep 15, 2021
Instrument	2021-00015775

Lender

Name	ASHLEIGH PIVONKA
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 13, 2022

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 30, 2020
Property Address	3991 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 on Record
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 on Record
Term	360 Months
Due	Oct 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3991 Carters Mountain Rd was $5,829, up 54.2% 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	$5,829.00 (+54.25%)	$652,000 (+54.21%) Land $184,600 Building $467,400	$652,000 (+54.21%) Land $184,600 Building $467,400
2025	$3,779.00	$422,800 Land $180,800 Building $242,000	$422,800 Land $180,800 Building $242,000
2023	$3,183.00	$372,800 Land $177,100 Building $195,700	$372,800 Land $177,100 Building $195,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3991 Carters Mountain Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3991 Carters Mountain Rd is low, with a 0.04% 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	0.04% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	60 / 5
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless · DSL	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Carters Mountain Rd

Nearby Streets

All Charlottesville, VA Property Records

Search Property Records by Address or Parcel Number

Search by:

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