Albemarle County property record for 815 Harris Rd, Charlottesville, VA 22902
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,901 sqft · built 1988 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,347 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 076M2-01-00-04000 |
| Primary APN | 076M2-01-00-04000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,901 sqft Finished Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,928 sqft (0.182 acres) |
| View / Lot | Proximity to Airport |
| Garage Area | 384 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 264 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 815 HARRIS RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22902-6468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PLANNED UN |
| Legal Description | WILLOUGHBY 5 40 PH I |
| Legal Subdivision | WILLOUGHBY |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SCOTTSVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11303 |
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 | 815 HARRIS RD, CHARLOTTESVILLE, VA 22902-6468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU |
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC |
| Oct 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY/VA CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 815 HARRIS RD, CHARLOTTESVILLE, VA 22902-6468 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300008093 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 202300008093 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 815 HARRIS RD, CHARLOTTESVILLE, VA 22902-6468 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 5553/169 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 5553/169 |
| Instrument | 2021-00010044 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 815 HARRIS RD, CHARLOTTESVILLE, VA 22902-6468 |
| Document Number | 0000011895 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 815 HARRIS RD CHARLOTTESVILLE VA 229026468, CHARLOTTESVILLE, VA 22902-6468 |
| Document Number | 0000011895 |
|---|---|
| Date | Oct 24, 2018 |
| Book Page | 005107/000187 |
| Instrument | 11895 |
| Name | UNIVERSITY/VA CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 23, 2028 |
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,347.00 (+5.66%) | $486,200 (+5.65%) Land $145,000 Building $341,200 | $486,200 (+5.65%) Land $145,000 Building $341,200 |
| 2025 | $4,114.00 (+18.12%) | $460,200 (+12.82%) Land $145,000 Building $315,200 | $460,200 (+12.82%) Land $145,000 Building $315,200 |
| 2023 | $3,483.00 | $407,900 Land $130,000 Building $277,900 | $407,900 Land $130,000 Building $277,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 223 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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