995 Old Garth Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 995 Old Garth Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,801 sqft · built 1968
Lot Size	3.89 acres (169,666 sqft)
Owner	Individual Name on Record
Last Sale	$1,865,000 (May 2026)
Tax Bill	$17,828 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06000-00-00-004D1`

Property Details

APN / Parcel Number

Primary APN	`06000-00-00-004D1`
Alternative APN	`20431`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,801 sqft Finished Area
Basement Area	550 sqft
Unfinished Basement	550 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	169,666 sqft (3.89 acres)
Garage Area	551 sqft
Driveway	Paver Driveway

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	617 sqft
Deck Area	288 sqft
Patio Area	849 sqft
Storage Building	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Street Address	995 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
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	995 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Deed Document Number	20264843
Prior Transfer Date	Apr 8, 2010
Prior Transfer Doc	3869/119
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 21, 2026
Property Address	995 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1937
Document Number	0000004843
Instrument Date	May 13, 2026
Instrument	20264843
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188,365.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	995 OLD GARTH RD, CHARLOTTESVILLE, VA 22901-1937

Mortgage

Document Number	0000004844,
Date	May 21, 2026
Instrument	20264844

Lender

Name	CITIBANK NYS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$17,828.00 (+12.73%)	$1,994,200 (+12.72%) Land $565,100 Building $1,429,100	$1,994,200 (+12.72%) Land $565,100 Building $1,429,100
2025	$15,815.00 (+29.12%)	$1,769,100 (+23.35%) Land $487,400 Building $1,281,700	$1,769,100 (+23.35%) Land $487,400 Building $1,281,700
2023	$12,248.00	$1,434,200 Land $360,300 Building $1,073,900	$1,434,200 Land $360,300 Building $1,073,900

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.

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 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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