Albemarle County property record for 4580 Three Chopt Rd, Troy, VA 22974
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,736 sqft · built 2003 |
| Lot Size | 2.25 acres (98,141 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,247 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09400-00-00-031B0 |
| Primary APN | 09400-00-00-031B0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,736 sqft Finished Area |
| Basement Area | 1,368 sqft |
| Finished Basement | 1,100 sqft |
| Unfinished Basement | 268 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Other |
| Lot Area | 98,141 sqft (2.25 acres) |
| Garage Area | 576 sqft |
| Pool Area | 320 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 470 sqft |
| Deck Area | 120 sqft |
| Patio Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 4580 THREE CHOPT RD |
|---|---|
| City | TROY |
| State | VA |
| Zip | 22974-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | LOT B |
| Legal Subdivision | RESIDENTIAL SURVEYING SERVICES |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SCOTTSVILLE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10402 |
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 | 4580 THREE CHOPT RD, TROY, VA 22974-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Sep 15, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 4580 THREE CHOPT RD, TROY, VA 22974-3016 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4580 THREE CHOPT RD, TROY, VA 22974-3016 |
| Document Number | 202600002221 |
|---|---|
| Date | Mar 13, 2026 |
| Instrument | 202600002221 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 4580 THREE CHOPT RD, TROY, VA 22974-3016 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5608/167 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 5608/167 |
| Instrument | 2021-00015790 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $6,247.00 (+12.56%) | $698,800 (+2.83%) Land $147,400 Building $551,400 | $698,800 (+2.83%) Land $147,400 Building $551,400 |
| 2025 | $5,550.00 (-4.36%) | ||
| 2023 | $5,803.00 | $679,600 Land $119,400 Building $560,200 | $679,600 Land $119,400 Building $560,200 |
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 | 3 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2025 · rainfall accumulation |
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 | 0.04% 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: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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