Albemarle County property record for 820 Harris Rd, Charlottesville, VA 22902
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,754 sqft · built 1989 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Aug 2010) |
| Tax Bill | $4,193 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 076M2-01-00-09200 |
| Primary APN | 076M2-01-00-09200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,754 sqft Finished Area |
| Basement Area | 864 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 564 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 10,193 sqft (0.234 acres) |
| View / Lot | Proximity to Airport |
| Porch | Slab |
|---|---|
| Porch Area | 139 sqft |
| Deck Area | 156 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 820 HARRIS RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22902-6467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PLANNED UN |
| Legal Description | WILLOUGHBY 5 92 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 820 HARRIS RD, CHARLOTTESVILLE, VA 22902-6467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CTR |
| Jun 8, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2010 · Amount on File |
| Deed Sale | Aug 17, 2010 · Amount on File |
| Deed Document Number | 20109018 |
| Deed Book / Page | 3917 / 119 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 820 HARRIS RD, CHARLOTTESVILLE, VA 22902-6467 |
| Document Number | 0000007951 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 820 HARRIS RD CHARLOTTESVILLE VA 229026467, CHARLOTTESVILLE, VA 22902-6467 |
| Document Number | 0000007951 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 005340/000671 |
| Instrument | 7951 |
| Name | CAPITAL CTR |
|---|---|
| Type | Funding / Finance Company |
| Address | GLEN ALLEN, VA 23060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 820 HARRIS RD, CHARLOTTESVILLE, VA 22902-6467 |
| Document Number | 0000007242 |
| Instrument Date | Jun 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 820 HARRIS RD CHARLOTTESVILLE VA 229026467, CHARLOTTESVILLE, VA 22902-6467 |
| Document Number | 0000007242 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 005066/000615 |
| Instrument | 7242 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28225 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,193.00 (+4.69%) | $469,000 (+4.69%) Land $145,000 Building $324,000 | $469,000 (+4.69%) Land $145,000 Building $324,000 |
| 2025 | $4,005.00 (+18.07%) | $448,000 (+12.79%) Land $145,000 Building $303,000 | $448,000 (+12.79%) Land $145,000 Building $303,000 |
| 2023 | $3,392.00 | $397,200 Land $130,000 Building $267,200 | $397,200 Land $130,000 Building $267,200 |
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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