Albemarle County property record for 535 Whitcover Cir, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft · built 1990 |
| Lot Size | 0.051 acres (2,232 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,631 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061A1-03-0U-00100 |
| Primary APN | 061A1-03-0U-00100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Finished Area |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,232 sqft (0.051 acres) |
| View / Lot | Proximity to Airport |
| Porch | Slab |
| Porch Area | 112 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 535 WHITCOVER CIR |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-3763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 RESIDEN |
| Legal Description | STONEHENGE 10 U 1 |
| Legal Subdivision | STONEHENGE |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIO |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 10602 |
Source: Albemarle County records, as of June 15, 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 | 535 WHITCOVER CIR, CHARLOTTESVILLE, VA 22901-3763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 7, 2005 |
| Transfer Doc | 2905/122 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 535 WHITCOVER CIR, CHARLOTTESVILLE, VA 22901-3763 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300002888 |
|---|---|
| Date | Apr 17, 2023 |
| Instrument | 202300002888 |
| Name | GERALDINE HALL |
|---|---|
| Type | Private Party |
| Address | 1904 BLUESTEM CT, CHESAPEAKE, VA 23323 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | May 1, 2038 |
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 | $301,500 (+2.45%) Land $110,000 Building $191,500 | $301,500 (+2.45%) Land $110,000 Building $191,500 | |
| 2025 | $2,631.00 | $294,300 (+7.68%) Land $100,700 Building $193,600 | $294,300 (+7.68%) Land $100,700 Building $193,600 |
| 2023 | $273,300 Land $93,000 Building $180,300 | $273,300 Land $93,000 Building $180,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 | 0.01% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ting.
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