4525 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 4525 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,068 sqft
Lot Size	21 acres (915,196 sqft)
Owner	Individual Name on File
Tax Bill	$11,451 (2026)
Deeds & Mortgages	Jun 2020 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04100-00-00-02200`

Property Details

APN / Parcel Number

Primary APN	`04100-00-00-02200`
Alternative APN	`8304`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,068 sqft Finished Area
Basement Area	1,520 sqft
Finished Basement	1,334 sqft
Unfinished Basement	186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	915,196 sqft (21 acres)
View / Lot	Flood Plain/Flood Zone
Garage Area	1,007 sqft

Exterior Amenities

Porch	Slab
Porch Area	731 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4525 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE 1A
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3033
Census Tract	10100

Owner

4525 Garth Rd is owned and occupied by an individual who acquired it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4525 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit NEXTMARK FCU
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MTG
Nov 26, 2018	Loan Modification, Mortgage MORTGAGE ELECTRONIC REGISTRATI
Dec 21, 2017	Grant Deed, Transfer FULTON BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2016
Deed Sale	Dec 29, 2016
Deed Document Number	201614905
Last Transfer Date	Feb 19, 2025
Transfer Doc	0000001472
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4525 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Document Number	0000007860
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 GARTH RD CHARLOTTESVILLE VA 229015104, CHARLOTTESVILLE, VA 22901-5104

Mortgage

Document Number	0000007860
Date	Jun 26, 2020
Book Page	005339/000752
Instrument	7860

Lender

Name	NEXTMARK FCU
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 25, 2045

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4525 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Document Number	0000007859
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4525 GARTH RD CHARLOTTESVILLE VA 229015104, CHARLOTTESVILLE, VA 22901-5104

Mortgage

Document Number	0000007859
Date	Jun 26, 2020
Book Page	005339/000739
Instrument	7859

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2050

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBEMARLE VA
Property Address	4525 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Document Number	0000012919
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4525 GARTH RD CHARLOTTESVILLE VA 22901, CHARLOTTESVILLE, VA 22901

Mortgage

Document Number	0000012919
Date	Nov 26, 2018
Book Page	005116/000038
Instrument	12919

Lender

Name	MORTGAGE ELECTRONIC REGISTRATI
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Dec 21, 2017
Property Address	4525 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Document Number	0000014784
Book / Page	004997 / 000328
Instrument Date	Dec 20, 2017
Instrument	14784
Transaction Type	Transfer
Record Updated	Jan 12, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2578 HOLKHAM DR CHARLOTTESVILLE VA 229019533, CHARLOTTESVILLE, VA 22901-9533

Mortgage

Document Number	14785
Date	Dec 21, 2017
Book Page	004995/000332
Instrument	14785

Lender

Name	FULTON BK NA
Address	LANCASTER, PA 17602

Agreement

Amount	Amount on Record
Term	384 Months
Due	Dec 20, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2026 property tax bill for 4525 Garth Rd was $11,451, up 15.7% 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	$11,451.00 (+15.68%)	$1,625,900 (+11.91%) Land $492,400 Building $1,133,500	$1,625,900 (+11.91%) Land $492,400 Building $1,133,500
2025	$9,899.00	$1,452,800 Land $492,400 Building $960,400	$1,452,800 Land $492,400 Building $960,400
2023	$9,189.00	$1,394,900 Land $456,500 Building $938,400	$1,394,900 Land $456,500 Building $938,400

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

Flood

FEMA maps place 4525 Garth Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1995.

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 Claims	1 (1995)
Most Recent Claim	Jun 1995 · Severe Storms And Flooding

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 4525 Garth 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	40 / 3

May also be available: Firefly Fiber Broadband, T-Mobile.

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