485 Oak Cir, Charlottesville, VA 22901 Property Records

Albemarle County property record for 485 Oak Cir, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,464 sqft · built 1935
Lot Size	2.4 acres (104,544 sqft)
Owner	Individual Name on Record
Last Sale	$2,550,000 (Jun 2013)
Tax Bill	$36,388 (2026)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060E1-00-0E-01100`

Property Details

APN / Parcel Number

Primary APN	`060E1-00-0E-01100`
Alternative APN	`22264`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,464 sqft Finished Area
Basement Area	3,237 sqft
Finished Basement	1,580 sqft
Unfinished Basement	1,619 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2015
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Wood
Roof Material	Metal
Lot Area	104,544 sqft (2.4 acres)
Garage Area	572 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	779 sqft
Deck Area	216 sqft
Patio Area	573 sqft
Shed	1 Shed
Shed Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	485 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 11
Legal Subdivision	FARMINGTON
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1018
Census Tract	11000

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	Individual Name on Record
Mailing Address	485 OAK CIR, CHARLOTTESVILLE, VA 22901-5046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2013 · Amount on Record
Deed Sale	Jun 28, 2013 · Amount on Record
Deed Document Number	20139213
Deed Book / Page	4375 / 512
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	485 OAK CIR, CHARLOTTESVILLE, VA 22901-5046
Document Number	0000012435
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	485 OAK CIR CHARLOTTESVILLE VA 229015046, CHARLOTTESVILLE, VA 22901-5046

Mortgage

Document Number	0000012435
Date	Nov 12, 2019
Book Page	005241/000724
Instrument	12435

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	601 OAKMONT LN, WESTMONT, IL 60559-5523

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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	$36,388.00 (+12.88%)	$4,070,200 (+12.88%) Land $976,500 Building $3,093,700	$4,070,200 (+12.88%) Land $976,500 Building $3,093,700
2025	$32,235.00 (+15.04%)	$3,605,800 (+9.9%) Land $924,000 Building $2,681,800	$3,605,800 (+9.9%) Land $924,000 Building $2,681,800
2023	$28,020.00	$3,281,100 Land $840,000 Building $2,441,100	$3,281,100 Land $840,000 Building $2,441,100

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

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 49 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

Cell Coverage

5G (outdoors only) and 4G LTE

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