Albemarle County property record for 551 Rio Rd E, Charlottesville, VA 22901 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Split Foyer |
| Year Built | Built 1977 |
| Square Footage | 1,164 sqft Finished Area |
| Lot Size | 10,315 sqft (0.237 acres) |
| Last Sale | $258,000 (2018) |
| Tax Bill | $3,398.00 (2026) |
| Primary APN | 061A0-01-00-00200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,164 sqft Finished Area |
| Basement Area | 1,092 sqft Basement |
| Finished Basement | 1,092 sqft Finished |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Brick Exterior |
| Construction Type | Wood Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,315 sqft (0.237 acres) |
| Deck Area | 190 sqft Deck |
|---|---|
| Patio Area | 96 sqft Patio |
| Porch Area | 144 sqft Porch |
| View | Proximity to Airport View |
| Storage Building | 240 sqft Storage Building |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 551 RIO RD E |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-3705 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RIO HEIGHTS 2 |
| Legal Subdivision | RIO HEIGHTS |
| Jurisdiction | ALBEMARLE VA |
| Minor Civil Division | RIO |
| Census Blockgroup | 2 |
| Census Block | 2012 |
| Census Tract | 10602 |
Source: Albemarle County records · APN 061A0-01-00-00200
Assessment roll updated June 15, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1505 STONEY CREEK DR, CHARLOTTESVILLE, VA 22902-7239 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Mar 14, 2018 | Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 14, 2018 · Amount on Record |
| Deed Sale | Mar 14, 2018 · Amount on Record |
| Deed Doc Number | 20182570 |
| Deed Book / Page | 5022 / 660 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 551 RIO RD E, CHARLOTTESVILLE, VA 22901-3705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | ACM TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 5472/134 |
|---|---|
| Date | Feb 02, 2021 |
| Book Page | 5472/134 |
| Instrument | 2021-00001872 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Mar 14, 2018 |
| Property Address | 551 RIO RD E, CHARLOTTESVILLE, VA 22901-3705 |
| Document Number | 0000002570 |
| Book / Page | 005022 / 000660 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 2570 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $258.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 551 RIO RD E CHARLOTTESVILLE VA 229013705, CHARLOTTESVILLE, VA 22901-3705 |
| Document Number | 2571 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 005022/000663 |
| Instrument | 2571 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2048 |
Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,398.00 (-10.11%) | $380,100 (-4.47%) Land $135,000 Building $245,100 | $380,100 (-4.47%) Land $135,000 Building $245,100 |
| 2025 | $3,780.00 (+11.24%) | ||
| 2023 | $3,398.00 | $397,900 Land $117,000 Building $280,900 | $397,900 Land $117,000 Building $280,900 |
551 Rio Rd E is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Albemarle County (51003C), updated February 3, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 29th in Virginia |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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