975 Charter Oaks Dr, Charlottesville, VA 22901 Property Records

Albemarle County property record for 975 Charter Oaks Dr, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,846 sqft · built 1998
Lot Size	0.249 acres (10,846 sqft)
Owner	Trust Name on File
Tax Bill	$6,175 (2026)
Deeds & Mortgages	May 2023 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062F0-00-00-04800`

Property Details

APN / Parcel Number

Primary APN	`062F0-00-00-04800`
Alternative APN	`27212`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,846 sqft Finished Area
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	10,846 sqft (0.249 acres)
View / Lot	Proximity to Airport
Garage Area	440 sqft
Porch	Slab
Porch Area	223 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	975 CHARTER OAKS DR
City	CHARLOTTESVILLE
State	VA
Zip	22901-0628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	DUNLORA 48 PH 1F
Legal Subdivision	DUNLORA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	2
Census Block	2000
Census Tract	10602

Owner

975 Charter Oaks Dr is owner-occupied and held in a trust since October 2024.

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

Owner of Record	Trust Name on File
Mailing Address	975 CHARTER OAKS DR, CHARLOTTESVILLE, VA 22901-0628
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
May 18, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 17, 2024
Transfer Doc	0000009058
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	975 CHARTER OAKS DR, CHARLOTTESVILLE, VA 22901-0628
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 CHARTER OAKS DR, CHARLOTTESVILLE, VA 22901-0628

Mortgage

Document Number	202300004050
Date	May 18, 2023
Instrument	202300004050

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	975 CHARTER OAKS DR, CHARLOTTESVILLE, VA 22901-0628
Document Number	0000019029
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	CHARLOTTESVILLE SETTLEMENT COMPANY, CHARLOTTESVILLE SETTLEMENT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	975 CHARTER OAKS DR CHARLOTTESVILLE VA 229010628, CHARLOTTESVILLE, VA 22901-0628

Mortgage

Document Number	0000019029
Date	Dec 28, 2020
Book Page	005452/000574
Instrument	19029

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 27, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	975 CHARTER OAKS DR, CHARLOTTESVILLE, VA 22901-0628
Document Number	0000007619
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	CHARLOTTESVILLE SETTLEMENT COMPANY, CHARLOTTESVILLE SETTLEMENT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 CHARTER OAKS DR CHARLOTTESVILLE VA 229010628, CHARLOTTESVILLE, VA 22901-0628

Mortgage

Document Number	0000007619
Date	Jul 19, 2019
Book Page	005196/000018
Instrument	7619

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 975 Charter Oaks Dr was $6,175, up 2.1% 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	$6,175.00 (+2.13%)	$690,700 (+2.13%) Land $170,000 Building $520,700	$690,700 (+2.13%) Land $170,000 Building $520,700
2025	$6,046.00	$676,300 Land $175,000 Building $501,300	$676,300 Land $175,000 Building $501,300
2023	$5,019.00	$587,800 Land $160,000 Building $427,800	$587,800 Land $160,000 Building $427,800

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

Flood

FEMA maps place 975 Charter Oaks Dr 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	3 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 975 Charter Oaks Dr 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 367 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, Ting.

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