744 Cole St, Charlottesville, VA 22901 Property Records

Albemarle County property record for 744 Cole St, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,785 sqft · built 2012
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Last Sale	$497,000 (Oct 2020)
Tax Bill	$6,025 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062G0-01-5A-11600`

Property Details

APN / Parcel Number

Primary APN	`062G0-01-5A-11600`
Alternative APN	`27744`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,785 sqft Finished Area
Basement Area	945 sqft
Unfinished Basement	945 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	3,267 sqft (0.075 acres)
View / Lot	Proximity to Airport
Garage Type	Detached
Garage Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	275 sqft
Patio Area	288 sqft
Guest House	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	744 COLE ST
City	CHARLOTTESVILLE
State	VA
Zip	22901-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NEIGHBORHO
Legal Description	BELVEDERE 5A 116 PH I
Legal Subdivision	BELVEDERE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	1
Census Block	1029
Census Tract	10602

Owner

744 Cole St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	744 COLE ST, CHARLOTTESVILLE, VA 22901-3210
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2020 · Amount on File
Deed Sale	Oct 14, 2020 · Amount on File
Prior Sale	Sep 7, 2012 · Amount on File
Deed Document Number	202014416
Deed Book / Page	5406 / 378
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 14, 2020
Property Address	744 COLE ST, CHARLOTTESVILLE, VA 22901-3210
Document Number	0000014416
Book / Page	005406 / 000378
Instrument Date	Oct 8, 2020
Instrument	14416
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	OLD REPUBLIC NATIONAL INSURANCE COMPANY, OLD REPUBLIC NAT'L INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$497.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 COLE ST CHARLOTTESVILLE VA 229013210, CHARLOTTESVILLE, VA 22901-3210

Mortgage

Document Number	14417
Date	Oct 14, 2020
Book Page	005406/000381
Instrument	14417

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 744 Cole St was $6,025, up 5.7% 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	$6,025.00 (+5.68%)	$673,900 (+5.66%) Land $233,000 Building $440,900	$673,900 (+5.66%) Land $233,000 Building $440,900
2025	$5,701.00	$637,800 Land $205,000 Building $432,800	$637,800 Land $205,000 Building $432,800
2023	$4,924.00	$576,600 Land $175,000 Building $401,600	$576,600 Land $175,000 Building $401,600

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

Flood

FEMA maps place 744 Cole St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · other causes

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 744 Cole St 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	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.

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

Provider	Max Down / Up (Mbps)
Ting Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon, Xfinity.

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