985 Old Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 985 Old Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,878 sqft · built 1968
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$699,000 (Aug 2020)
Tax Bill	$12,181 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06000-00-00-004D2`

Property Details

APN / Parcel Number

Primary APN	`06000-00-00-004D2`
Alternative APN	`20432`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,878 sqft Finished Area
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Garage Area	452 sqft
Carport	Carport
Carport Area	452 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	49 sqft
Porch	Slab
Porch Area	648 sqft
Deck Area	234 sqft
Patio Area	371 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	985 OLD GARTH RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	ACREAGE PARCEL C-2R
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1022
Census Tract	10802

Owner

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	985 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202010786
Deed Book / Page	5369 / 126
Prior Transfer Date	Feb 25, 2008
Prior Transfer Doc	3558/121
Record Updated	Sep 20, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 14, 2020
Property Address	985 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1937
Document Number	0000010786
Book / Page	005369 / 000126
Instrument Date	Aug 5, 2020
Instrument	10786
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	985 OLD GARTH RD CHARLOTTESVILLE VA 229011937, CHARLOTTESVILLE, VA 22901-1937

Mortgage

Document Number	10787
Date	Aug 14, 2020
Book Page	005369/000130
Instrument	10787

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

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	$12,181.00 (+11.35%)	$1,362,500 (+11.34%) Land $440,000 Building $922,500	$1,362,500 (+11.34%) Land $440,000 Building $922,500
2025	$10,939.00 (+28.71%)	$1,223,700 (+22.95%) Land $379,500 Building $844,200	$1,223,700 (+22.95%) Land $379,500 Building $844,200
2023	$8,499.00	$995,300 Land $280,500 Building $714,800	$995,300 Land $280,500 Building $714,800

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

Flood

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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