4534 Wise Ct, Charlottesville, VA 22903 Property Records

Albemarle County property record for 4534 Wise Ct, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 5,611 sqft · built 2016
Lot Size	2.85 acres (124,451 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Dec 2014)
Tax Bill	$22,463 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07400-00-00-005C7`

Property Details

APN / Parcel Number

Primary APN	`07400-00-00-005C7`
Alternative APN	`29832`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,611 sqft Finished Area
Basement Area	3,374 sqft
Finished Basement	2,244 sqft
Unfinished Basement	1,130 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	124,451 sqft (2.85 acres)
Garage Area	1,008 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	499 sqft
Deck Area	128 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4534 WISE CT
City	CHARLOTTESVILLE
State	VA
Zip	22903-7640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	RAGGED MOUNTAIN FARM B8
Legal Subdivision	RAGGED MOUNTAIN FARM
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4008
Census Tract	11202

Owner

4534 Wise Ct is owned and occupied by an individual who bought it in December 2014.

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

Owner of Record	Individual Name on File
Mailing Address	4534 WISE CT, CHARLOTTESVILLE, VA 22903-7640
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2014 · Amount on File
Deed Sale	Dec 12, 2014 · Amount on File
Deed Document Number	201412065
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4534 WISE CT, CHARLOTTESVILLE, VA 22903-7640
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	FRANKLIN TITLE GROUP LLC, FRANKLIN TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5583/413
Date	Jul 30, 2021
Book Page	5583/413
Instrument	2021-00013292

Lender

Name	MAINSTREET BANK
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 4534 Wise Ct was $22,463, up 9.7% 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	$22,463.00 (+9.74%)	$2,512,600 Land $307,100 Building $2,205,500	$2,512,600 Land $307,100 Building $2,205,500
2025	$20,470.00
2023	$15,825.00	$1,853,100 Land $300,000 Building $1,553,100	$1,853,100 Land $300,000 Building $1,553,100

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

Flood

FEMA maps place 4534 Wise Ct in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

Wildfire risk around 4534 Wise Ct is low, with a 0.03% 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	0.03% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20