4635 Dick Woods Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 4635 Dick Woods Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,980 sqft · built 1991
Lot Size	3.98 acres (173,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Apr 2026)
Tax Bill	$4,932 (2026)
Deeds & Mortgages	Feb 2025 Line of Credit Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07300-00-00-027E1`

Property Details

APN / Parcel Number

Primary APN	`07300-00-00-027E1`
Alternative APN	`29438`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,980 sqft Finished Area
Basement Area	990 sqft
Unfinished Basement	990 sqft
Family Room	Family Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	173,412 sqft (3.98 acres)

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	510 sqft
Patio Area	535 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4635 DICK WOODS RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE PARCEL B
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	3
Census Block	3006
Census Tract	11201

Owner

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	2 Individual Names on Record
Mailing Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Apr 16, 2026	Deed, Transfer · Conventional Mortgage FULTON BANK
May 10, 2023	Gift Deed, Transfer
Aug 26, 2019	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC COAST MTG
Mar 28, 2018	Grant Deed, Transfer · Conventional with PMI ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Mar 28, 2018 · Amount on Record
Deed Document Number	20263518
Prior Transfer Date	Mar 7, 2023
Prior Transfer Doc	0000003735
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500001082
Date	Feb 7, 2025
Instrument	202500001082

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Dec 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 16, 2026
Property Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Document Number	0000003518
Instrument Date	Apr 6, 2026
Instrument	2026.3518
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206

Mortgage

Document Number	0000003519,
Date	Apr 16, 2026
Instrument	2026..3519

Lender

Name	FULTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 10, 2023
Property Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Document Number	202300003735
Map Reference	MB 1049 PG 431
Instrument Date	Mar 7, 2023
Instrument	202300003735
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Document Number	0000009580
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 DICK WOODS RD CHARLOTTESVILLE VA 229037206, CHARLOTTESVILLE, VA 22903-7206

Mortgage

Document Number	0000009580
Date	Aug 30, 2019
Book Page	005213/000476
Instrument	9580

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Mar 28, 2018
Property Address	4635 DICK WOODS RD, CHARLOTTESVILLE, VA 22903-7206
Document Number	0000003134
Book / Page	005027 / 000691
Instrument Date	Mar 15, 2018
Instrument	3134
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	CHARLOTTESVILLE SETTLEMENT COMPANY, CHARLOTTESVILLE SETTLEMENT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$361.00
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	4635 DICK WOODS RD CHARLOTTESVILLE VA 229037206, CHARLOTTESVILLE, VA 22903-7206

Mortgage

Document Number	3135
Date	Mar 28, 2018
Book Page	005027/000694
Instrument	3135

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2048

Tax Assessment & Valuation

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	$4,932.00 (+5.12%)	$551,700 (+5.11%) Land $222,600 Building $329,100	$551,700 (+5.11%) Land $222,600 Building $329,100
2025	$4,692.00 (+16.43%)	$524,900 (+11.21%) Land $201,100 Building $323,800	$524,900 (+11.21%) Land $201,100 Building $323,800
2023	$4,030.00	$472,000 Land $185,000 Building $287,000	$472,000 Land $185,000 Building $287,000

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

Flood

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 (2024)
Most Recent Claim	Aug 2024 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940

Cell Coverage

4G LTE only, no 5G reported

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