638 Mockingbird Way, Charlottesville, VA 22901 Property Records

Albemarle County property record for 638 Mockingbird Way, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,130 sqft · built 1990
Lot Size	0.042 acres (1,830 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Aug 2017)
Tax Bill	$3,289 (2026)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061Z0-06-00-01600`

Property Details

APN / Parcel Number

Primary APN	`061Z0-06-00-01600`
Alternative APN	`25776`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,130 sqft Finished Area
Basement Area	626 sqft
Finished Basement	147 sqft
Unfinished Basement	479 sqft
Flooring	Carpet

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,830 sqft (0.042 acres)
View / Lot	Proximity to Airport

Exterior Amenities

Porch	Slab
Porch Area	118 sqft
Deck Area	70 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	638 MOCKINGBIRD WAY
City	CHARLOTTESVILLE
State	VA
Zip	22901-2800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	BRANCHLANDS RETIRE. VILLAGE 16 PH-4B
Legal Subdivision	BRANCHLANDS RETIRE VILLAGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	1
Census Block	1000
Census Tract	10603

Owner

638 Mockingbird Way is owned by two individuals who acquired it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5146 WINDROWS FARM LN, BARBOURSVILLE, VA 22923-1607
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
May 10, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage ATLANTIC COAST MTG
Aug 22, 2017	Grant Deed, Transfer · VA Mortgage ATLANTIC COAST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2017 · Amount on File
Deed Sale	Aug 22, 2017 · Amount on File
Prior Sale	Jul 9, 2010 · Amount on File
Deed Document Number	20179685
Deed Book / Page	4949 / 502
Last Transfer Date	Jul 10, 2025
Transfer Doc	0000007362
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	638 MOCKINGBIRD WAY, CHARLOTTESVILLE, VA 22901-2800
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5534/758
Date	May 10, 2021
Book Page	5534/758
Instrument	2021-00008186

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	638 MOCKINGBIRD WAY, CHARLOTTESVILLE, VA 22901-2800
Document Number	0000008709
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 MOCKINGBIRD WAY CHARLOTTESVILLE VA 229012800, CHARLOTTESVILLE, VA 22901-2800

Mortgage

Document Number	0000008709
Date	Jul 13, 2020
Book Page	005348/000315
Instrument	8709

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 22, 2017
Property Address	638 MOCKINGBIRD WAY, CHARLOTTESVILLE, VA 22901-2800
Document Number	0000009685
Book / Page	004949 / 000502
Instrument Date	Aug 7, 2017
Instrument	9685
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	638 MOCKINGBIRD WAY CHARLOTTESVILLE VA 229012800, CHARLOTTESVILLE, VA 22901-2800

Mortgage

Document Number	9686
Date	Aug 22, 2017
Book Page	004949/000507
Instrument	9686

Lender

Name	ATLANTIC COAST MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 638 Mockingbird Way was $3,289, up 11.2% 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	$3,289.00 (+11.15%)	$367,900 (+11.15%) Land $100,000 Building $267,900	$367,900 (+11.15%) Land $100,000 Building $267,900
2025	$2,959.00	$331,000 Land $90,000 Building $241,000	$331,000 Land $90,000 Building $241,000
2023	$2,523.00	$295,500 Land $80,000 Building $215,500	$295,500 Land $80,000 Building $215,500

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

Flood

FEMA maps place 638 Mockingbird Way 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 638 Mockingbird Way is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Ting.

Nearby Properties on Mockingbird Way

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