76 Oak Forest Cir, Charlottesville, VA 22901 Property Records

Albemarle County property record for 76 Oak Forest Cir, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,674 sqft · built 1981
Lot Size	0.23 acres (10,032 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Oct 2017)
Tax Bill	$4,591 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061W1-00-0A-03000`

Property Details

APN / Parcel Number

Primary APN	`061W1-00-0A-03000`
Alternative APN	`24573`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,674 sqft Finished Area
Basement Area	837 sqft
Finished Basement	700 sqft
Unfinished Basement	137 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	10,032 sqft (0.23 acres)
View / Lot	Proximity to Airport
Porch	Slab
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	76 OAK FOREST CIR
City	CHARLOTTESVILLE
State	VA
Zip	22901-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	OAK FOREST A 30 PH-II
Legal Subdivision	OAK FOREST
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	2
Census Block	2000
Census Tract	10701

Owner

76 Oak Forest Cir is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
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

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Apr 13, 2020	Deed of Trust, Mortgage · Line of Credit FULTON BK NA
Oct 3, 2017	Grant Deed, Transfer · Conventional Mortgage FULTON BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Oct 28, 2016 · Amount on File
Deed Document Number	201711557
Deed Book / Page	4967 / 521
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	201600012289
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
Transaction Type	Mortgage
Record Updated	Oct 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608

Mortgage

Document Number	202200011159
Date	Sep 21, 2022
Instrument	202200011159

Lender

Name	FULTON BANK NA
Type	Bank
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 E CLEMENT ST, BALTIMORE, MD 21230-4720

Mortgage

Document Number	5553/97
Date	Jun 7, 2021
Book Page	5553/97
Instrument	2021-00010038

Lender

Name	FULTON BANK NA
Type	Bank
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001360
Date	Jan 25, 2021
Book Page	5466/599
Instrument	2021-00001360

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Feb 1, 2036
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
Document Number	0000018859
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 OAK FOREST CIR CHARLOTTESVILLE VA 229011608, CHARLOTTESVILLE, VA 22901-1608

Mortgage

Document Number	0000018859
Date	Dec 22, 2020
Book Page	005450/000457
Instrument	18859

Lender

Name	FULTON BK NA
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 3, 2017
Property Address	76 OAK FOREST CIR, CHARLOTTESVILLE, VA 22901-1608
Document Number	0000011557
Book / Page	004967 / 000521
Instrument Date	Sep 22, 2017
Instrument	11557
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	76 OAK FOREST CIR CHARLOTTESVILLE VA 229011608, CHARLOTTESVILLE, VA 22901-1608

Mortgage

Document Number	11558
Date	Oct 3, 2017
Book Page	004967/000524
Instrument	11558

Lender

Name	FULTON BK NA
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 76 Oak Forest Cir was $4,591, up 8.7% 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	$4,591.00 (+8.74%)	$513,500 (+8.72%) Land $137,100 Building $376,400	$513,500 (+8.72%) Land $137,100 Building $376,400
2025	$4,222.00	$472,300 Land $119,600 Building $352,700	$472,300 Land $119,600 Building $352,700
2023	$3,848.00	$450,600 Land $115,000 Building $335,600	$450,600 Land $115,000 Building $335,600

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

Flood

FEMA maps place 76 Oak Forest Cir 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	1 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 76 Oak Forest Cir 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	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	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 329 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: Brightspeed, T-Mobile, Ting.

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