4543 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 4543 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,440 sqft · built 1900
Lot Size	2.71 acres (118,048 sqft)
Owner	2 Company Names on File
Last Sale	$679,000 (Jun 2017)
Tax Bill	$8,773 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04100-00-00-02900`

Property Details

APN / Parcel Number

Primary APN	`04100-00-00-02900`
Alternative APN	`8326`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,440 sqft Finished Area
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Metal
Lot Area	118,048 sqft (2.71 acres)
Garage Type	Detached
Garage Area	1,008 sqft

Exterior Amenities

Porch	Slab
Porch Area	378 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	96 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	4543 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
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3033
Census Tract	10100

Owner

4543 Garth Rd is owned by a company that acquired it in April 2025.

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

Owner of Record	2 Company Names on File
Mailing Address	4543 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Owner Type	Company
Vesting	Life Tenant

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
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 21, 2017	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2017 · Amount on File
Deed Sale	Jun 21, 2017 · Amount on File
Prior Sale	Nov 12, 2009 · Amount on File
Deed Document Number	20176996
Deed Book / Page	4924 / 568
Last Transfer Date	Apr 29, 2025
Transfer Doc	0000003697
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4543 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5573/346
Date	Jul 12, 2021
Book Page	5573/346
Instrument	2021-00012178

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 21, 2017
Property Address	4543 GARTH RD, CHARLOTTESVILLE, VA 22901-5104
Document Number	0000006996
Book / Page	004924 / 000568
Instrument Date	Jun 16, 2017
Instrument	6996
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	SECURITY CONNECTIONS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$679.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4543 GARTH RD CHARLOTTESVILLE VA 229015104, CHARLOTTESVILLE, VA 22901-5104

Mortgage

Document Number	6997
Date	Jun 21, 2017
Book Page	004924/000572
Instrument	6997

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 4543 Garth Rd was $8,773, up 11.2% 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	$8,773.00 (+11.23%)	$981,300 (+11.22%) Land $209,300 Building $772,000	$981,300 (+11.22%) Land $209,300 Building $772,000
2025	$7,887.00	$882,300 Land $209,300 Building $673,000	$882,300 Land $209,300 Building $673,000
2023	$3,551.00	$831,700 Land $194,400 Building $637,300	$831,700 Land $194,400 Building $637,300

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

Flood

FEMA maps place 4543 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 4543 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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