Albemarle County property record for 404 Berwick Ct, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,352 sqft · built 1988 |
| Lot Size | 1.82 acres (79,497 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $19,000 (Feb 2010) |
| Tax Bill | $6,333 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046A0-00-0E-02900 |
| Primary APN | 046A0-00-0E-02900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,352 sqft Finished Area |
| Basement Area | 1,008 sqft |
| Finished Basement | 783 sqft |
| Unfinished Basement | 225 sqft |
| Family Room | Family Room |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 79,497 sqft (1.82 acres) |
| View / Lot | Proximity to Airport |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 150 sqft |
| Patio Area | 230 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 404 BERWICK CT |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 RESIDEN |
| Legal Description | WESTMORELAND 3 E 29 |
| Legal Subdivision | WESTMORELAND |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 10604 |
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 | 404 BERWICK CT, CHARLOTTESVILLE, VA 22901-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2020 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Dec 16, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Jun 7, 2019 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2010 · Amount on Record |
| Deed Sale | Feb 12, 2010 · Amount on Record |
| Deed Document Number | 20101554 |
| Deed Book / Page | 3849 / 548 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 404 BERWICK CT, CHARLOTTESVILLE, VA 22901-1210 |
| Document Number | 0000017876 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2020 |
| Title Company | PRESTIGE TITLE AND ESCROW, PRESTIGE TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 404 BERWICK CT CHARLOTTESVILLE VA 229011210, CHARLOTTESVILLE, VA 22901-1210 |
| Document Number | 0000017876 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 005440/000340 |
| Instrument | 17876 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | TYSONS, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 8, 2050 |
| Rate | 2.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 404 BERWICK CT, CHARLOTTESVILLE, VA 22901-1210 |
| Document Number | 0000001269 |
| Instrument Date | Dec 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 404 BERWICK CT CHARLOTTESVILLE VA 229011210, CHARLOTTESVILLE, VA 22901-1210 |
| Document Number | 0000001269 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 005273/000102 |
| Instrument | 1269 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 404 BERWICK CT, CHARLOTTESVILLE, VA 22901-1210 |
| Document Number | 0000006633 |
| Instrument Date | Jun 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | SERVICELINK |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 464 BERWICK CT CHARLOTTESVILLE VA 22901, CHARLOTTESVILLE, VA 22901 |
| Document Number | 0000006633 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 005185/000185 |
| Instrument | 6633 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 27, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.59% |
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 | $6,333.00 (+5.18%) | $708,400 (+5.18%) Land $158,400 Building $550,000 | $708,400 (+5.18%) Land $158,400 Building $550,000 |
| 2025 | $6,021.00 (+16.8%) | $673,500 (+11.56%) Land $163,000 Building $510,500 | $673,500 (+11.56%) Land $163,000 Building $510,500 |
| 2023 | $5,155.00 | $603,700 Land $134,900 Building $468,800 | $603,700 Land $134,900 Building $468,800 |
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 | 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ACSA URBAN AREA serves 77,408 people · EPA ID VA2003053 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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