550 Grassmere Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 550 Grassmere Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,176 sqft · built 1820
Lot Size	27.7 acres (1,210,532 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Dec 2008)
Tax Bill	$20,034 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05800-00-00-020B0`

Property Details

APN / Parcel Number

Primary APN	`05800-00-00-020B0`
Alternative APN	`18887`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,176 sqft Finished Area
Basement Area	4,188 sqft
Finished Basement	2,067 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	1,210,532 sqft (27.7 acres)
Garage Type	Detached
Garage Area	575 sqft

Exterior Amenities

Pool Area	924 sqft
Porch	Slab
Porch Area	247 sqft
Deck Area	210 sqft
Patio Area	270 sqft
Balcony Area	408 sqft
Greenhouse	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	550 GRASSMERE RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-9212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	GRASSMERE FARM 1
Legal Subdivision	GRASSMERE FARM
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4015
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	550 GRASSMERE RD, CHARLOTTESVILLE, VA 22903-9212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2008 · Amount on Record
Deed Sale	Dec 10, 2008 · Amount on Record
Deed Document Number	200815004
Deed Book / Page	3669 / 25
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	550 GRASSMERE RD, CHARLOTTESVILLE, VA 22903-9212
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5624/378
Date	Oct 14, 2021
Book Page	5624/378
Instrument	2021-00017379

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	550 GRASSMERE RD, CHARLOTTESVILLE, VA 22903-9212
Document Number	0000017193
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	550 GRASSMERE RD CHARLOTTESVILLE VA 229039212, CHARLOTTESVILLE, VA 22903-9212

Mortgage

Document Number	0000017193
Date	Nov 30, 2020
Book Page	005433/000620
Instrument	17193

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

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	$20,034.00 (+0.01%)	$2,240,900 (+0.01%) Land $1,178,700 Building $1,062,200	$2,240,900 (+0.01%) Land $1,178,700 Building $1,062,200
2025	$20,031.00 (+9.41%)	$2,240,700 (+4.72%) Land $1,177,400 Building $1,063,300	$2,240,700 (+4.72%) Land $1,177,400 Building $1,063,300
2023	$18,309.00	$2,139,700 Land $900,200 Building $1,239,500	$2,139,700 Land $900,200 Building $1,239,500

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	4 (2010–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2018 · 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 80% of the US · lower than 71% 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.

Drinking Water

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

Water System	LANGFORD SUBDIVISION private · serves 97 people · EPA ID VA2003440
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	6 ppb (2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

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

May also be available: Firefly Fiber Broadband.

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