656 Broad Axe Rd, Charlottesville, VA 22903 Property Records

Albemarle County property record for 656 Broad Axe Rd, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,776 sqft · built 1995
Lot Size	2.96 acres (129,330 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (May 2012)
Tax Bill	$6,723 (2026)
Deeds & Mortgages	Sep 2020 Mortgage May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07300-00-00-004C0`

Property Details

APN / Parcel Number

Primary APN	`07300-00-00-004C0`
Alternative APN	`29356`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,776 sqft Finished Area
Basement Area	888 sqft
Finished Basement	700 sqft
Unfinished Basement	188 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	129,330 sqft (2.96 acres)

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	36 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	656 BROAD AXE RD
City	CHARLOTTESVILLE
State	VA
Zip	22903-7403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE 3
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4020
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	656 BROAD AXE RD, CHARLOTTESVILLE, VA 22903-7403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 18, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2012 · Amount on Record
Deed Sale	May 25, 2012 · Amount on Record
Deed Document Number	20126659
Deed Book / Page	4179 / 67
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	656 BROAD AXE RD, CHARLOTTESVILLE, VA 22903-7403
Document Number	0000013815
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	656 BROAD AXE RD CHARLOTTESVILLE VA 229037403, CHARLOTTESVILLE, VA 22903-7403

Mortgage

Document Number	0000013815
Date	Oct 2, 2020
Book Page	005399/000761
Instrument	13815

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	656 BROAD AXE RD, CHARLOTTESVILLE, VA 22903-7403
Document Number	0000006988
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 BROAD AXE RD CHARLOTTESVILLE VA 229037403, CHARLOTTESVILLE, VA 22903-7403

Mortgage

Document Number	0000006988
Date	Jun 11, 2020
Book Page	005331/000481
Instrument	6988

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

Interest

Rate Type	Adjustable Rate

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	$6,723.00 (+34.76%)	$752,000 (+34.74%) Land $206,200 Building $545,800	$752,000 (+34.74%) Land $206,200 Building $545,800
2025	$4,989.00 (+14.09%)	$558,100 (+8.98%) Land $200,400 Building $357,700	$558,100 (+8.98%) Land $200,400 Building $357,700
2023	$4,373.00	$512,100 Land $138,600 Building $373,500	$512,100 Land $138,600 Building $373,500

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	PEACOCK HILL SUBDIVISION private · serves 475 people · EPA ID VA2003650
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2021–2023) 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Brightspeed DSL	60 / 5

May also be available: AT&T.

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