4651 Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 4651 Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,032 sqft · built 1890
Lot Size	0.586 acres (25,526 sqft)
Owner	Individual Name on File
Last Sale	$334,000 (Feb 2016)
Tax Bill	$4,329 (2026)
Deeds & Mortgages	Aug 2025 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04100-00-00-02500`

Property Details

APN / Parcel Number

Primary APN	`04100-00-00-02500`
Alternative APN	`8322`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,032 sqft Finished Area
Basement Area	960 sqft
Finished Basement	900 sqft
Unfinished Basement	60 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2015
Architectural Style	Other
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Metal
Lot Area	25,526 sqft (0.586 acres)
Garage Type	Detached
Garage Area	384 sqft
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	4651 GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE
Legal Subdivision	THOMAS B LINCOLN LAND SURVEYOR INC
Jurisdiction	ALBEMARLE VA
Township / Civil Division	WHITE HALL
Census Block Group	3
Census Block	3033
Census Tract	10100

Owner

4651 Garth Rd is owned and occupied by an individual who bought it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	4651 GARTH RD, CHARLOTTESVILLE, VA 22901-5105
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
Aug 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Nov 5, 2020	Deed of Trust, Mortgage MEMBER OPTIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2016 · Amount on File
Deed Sale	Feb 26, 2016 · Amount on File
Deed Document Number	20161786
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4651 GARTH RD, CHARLOTTESVILLE, VA 22901-5105
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500008105
Date	Aug 27, 2025
Instrument	202500008105

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	DALLAS, TX 75234

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4651 GARTH RD, CHARLOTTESVILLE, VA 22901-5105
Transaction Type	Mortgage
Record Updated	Jan 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005658/421
Date	Dec 22, 2021
Book Page	5658/421
Instrument	202100020918

Lender

Name	MEMBER OPTIONS LLC
Type	Non-Lending Institution
Address	CHARLOTTESVILLE, VA 22903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	4651 GARTH RD, CHARLOTTESVILLE, VA 22901-5105
Document Number	0000016115
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4651 GARTH RD CHARLOTTESVILLE VA 229015105, CHARLOTTESVILLE, VA 22901-5105

Mortgage

Document Number	0000016115
Date	Nov 10, 2020
Book Page	005423/000275
Instrument	16115

Lender

Name	MEMBER OPTIONS
Address	CHARLOTTESVILLE, VA 22903

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4651 Garth Rd was $4,329, up 10.7% 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	$4,329.00 (+10.74%)	$484,200 (+10.72%) Land $84,000 Building $400,200	$484,200 (+10.72%) Land $84,000 Building $400,200
2025	$3,909.00	$437,300 Land $84,000 Building $353,300	$437,300 Land $84,000 Building $353,300
2023	$3,298.00	$386,200 Land $78,000 Building $308,200	$386,200 Land $78,000 Building $308,200

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

Flood

FEMA maps place 4651 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 4651 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 64% of the US · above 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	100 / 10
T-Mobile Fixed Wireless	25 / 3

May also be available: Verizon.

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