475 Oak Cir, Charlottesville, VA 22901 Property Records

Albemarle County property record for 475 Oak Cir, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,159 sqft · built 1950
Lot Size	4.4 acres (191,664 sqft)
Owner	Individual Name on File
Tax Bill	$33,868 (2026)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060E1-00-0E-00800`

Property Details

APN / Parcel Number

Primary APN	`060E1-00-0E-00800`
Alternative APN	`22261`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,159 sqft Finished Area
Basement Area	1,632 sqft
Unfinished Basement	1,632 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2012
Architectural Style	Cottage
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Slate
Lot Area	191,664 sqft (4.4 acres)
Garage Type	Mixed
Garage Area	400 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	354 sqft
Porch	Slab
Porch Area	769 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil

Location & Zoning

Street Address	475 OAK CIR
City	CHARLOTTESVILLE
State	VA
Zip	22901-5046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	FARMINGTON E 8
Legal Subdivision	FARMINGTON
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1018
Census Tract	11000

Owner

475 Oak Cir is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	475 OAK CIR, CHARLOTTESVILLE, VA 22901-5046
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
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	475 OAK CIR, CHARLOTTESVILLE, VA 22901-5046
Document Number	0000012035
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	475 OAK CIR CHARLOTTESVILLE VA 229015046, CHARLOTTESVILLE, VA 22901-5046

Mortgage

Document Number	0000012035
Date	Nov 1, 2019
Book Page	005237/000783
Instrument	12035

Lender

Name	BNY MELLON NA
Type	Bank
Address	BOSTON, MA 02108

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 31, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 475 Oak Cir was $33,868, up 10.9% 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	$33,868.00 (+10.91%)	$3,788,400 (+10.91%) Land $1,264,800 Building $2,523,600	$3,788,400 (+10.91%) Land $1,264,800 Building $2,523,600
2025	$30,537.00	$3,415,800 Land $1,196,800 Building $2,219,000	$3,415,800 Land $1,196,800 Building $2,219,000
2023	$26,395.00	$3,090,800 Land $980,000 Building $2,110,800	$3,090,800 Land $980,000 Building $2,110,800

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

Flood

FEMA maps place 475 Oak Cir 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	3 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 475 Oak Cir is low, with a 0.02% 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	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ACSA URBAN AREA serves 77,408 people · EPA ID VA2003053
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Cir

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