Charlottesville City property record for 407 Oak St, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,407 sqft · built 1925 |
| Lot Size | 0.112 acres (4,879 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Nov 2018) |
| Tax Bill | $3,857 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 290121000 |
| Primary APN | 290121000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,407 sqft Finished Area |
| 1st Floor Area | 676 sqft |
| 2nd Floor Area | 731 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 4,879 sqft (0.112 acres) |
| Lot Depth | 150 ft Depth |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 108 sqft |
| Patio Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 407 OAK ST |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-5547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RN-A |
| Legal Description | LOT & PARCEL X |
| Legal Subdivision | FIFE ESTATE |
| Jurisdiction | CHARLOTTESVILLE CITY VA |
| Township / Civil Division | CHARLOTTESVILLE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 401 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ridge Street Historic District listed 1982 · 32 contributing resources · NRIS 82001813 |
|---|---|
| Individually Listed | Fifeville and Tonsler Neighborhoods Historic District listed 2009 · 267 contributing resources · NRIS 09000452 |
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
407 Oak St is owned by two individuals who acquired it in August 2025.
Source: Charlottesville City records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 DICE ST, CHARLOTTESVILLE, VA 22903-5532 |
| Owner Type | Individual |
| Vesting | Community Property with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2018 · Amount on File |
| Deed Sale | Nov 13, 2018 · Amount on File |
| Prior Sale | May 2, 2014 · Amount on File |
| Last Transfer Date | Aug 11, 2025 |
| Transfer Doc | 0000002166 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 407 Oak St was $3,857.
Source: Charlottesville City assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Charlottesville City |
| Unified School District | Charlottesville City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,857.00 | $383,800 (+5.35%) Land $121,500 Building $262,300 | $383,800 (+5.35%) Land $121,500 Building $262,300 |
| 2025 | $364,300 Land $117,000 Building $247,300 | $364,300 Land $117,000 Building $247,300 | |
| 2023 | $3,395.00 (+19.16%) | $334,600 Land $103,500 Building $231,100 | $334,600 Land $103,500 Building $231,100 |
| 2022 | $2,849.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Oak St 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.
The area around 407 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CITY OF CHARLOTTESVILLE serves 46,553 people · EPA ID VA2540500 |
|---|---|
| Water Source | Purchased surface water from RWSA URBAN SYSTEM |
| Last State Inspection | Jan 2025 |
| 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 | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 503 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Ting.
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