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    2520 Naylor St Charlottesville, VA 22903

    Sponsored
    For Sale
    $659,900

    Duplex Side/Side - CHARLOTTESVILLE, VA

    Property size:
    2,560 SF
    Lot size:
    0.20 Acres
    Days on Market:
    2
    Last Refresh:
    Feb 27 at 11:06 am

    Property Features for 2520 Naylor St

    General Information

    Property type
    Residential Multi Family
    Property subtype
    Other
    Standard status
    Active
    Zoning
    R-3 Multifamily Residential
    Rooms
    Bathroom 1, Bathroom 2, Bathroom 3, Bathroom 4, Bathroom 5
    Bathrooms
    6
    APN
    21A123000
    Size
    2,560 SF
    Lot size
    0.20 Acres

    Utilities

    Heating system
    Heat Pump (Heating)
    Cooling system
    Central Air

    Building Details

    Year built
    1975
    Number of units
    2
    Flooring type
    Hardwood, Tile, Tile - Ceramic, Vinyl
    Building materials
    Brick
    Roof type
    Composition, Shingle
    Architectural style
    Other

    We can help!

    Listing Contact
    H. JORDAN HAGUE
    H. JORDAN HAGUE

    Old Dominion Realty and Investment LLC (434) 964-7283

    Listing agent H. JORDAN HAGUE (434) 964-7283 License #0225182466

    Listing date Feb 26, 2026

    MLS# 673515 Listing URL

    Copyright © 2026 Charlottesville Area Association of REALTORS®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

    Learn more

    Property Insight Report

    Overview

    Turnkey Duplex in Fry's Spring

    This turnkey side-by-side duplex, featuring identical floor plans, is located near the Fry's Spring community. Situated approximately 2 miles from the UVA Health System, it is also within walking distance of Wegmans and 5th St Station. The building includes both units (A+B) for sale, offering a total of 6 bedrooms and 6 bathrooms (1 full and 2 half baths per unit). The property has undergone several improvements, including new heat pumps, water heaters, refinished bedroom hardwoods, and the addition of a full-size laundry closet on each side. The roof is only 5 years old, and the property features recent windows, new kitchen counters, updated appliances, and low-maintenance vinyl siding. The property is zoned R-3 Multifamily Residential. Investors can expect $1,895 per unit, totaling $3,790 per month. Residents are responsible for all utilities, with separate water and electric meters for each unit. There is no HOA, and the property does not have basements. Six off-street parking spots are available. The lot size is 0.2 acres, and the property size is 2560 Square Feet.
    Property Profile Insight Report Location Intelligence

    Current Use by Public Records

    Duplexes

    Suggested Use

    Real Estate Agency Law Firm Restaurant Spa & Massage Center Dental Office Hair Salon Nail Salon Building Supply Gym & Fitness Center Auto Repair Shop

    Zoning and permitted uses should be independently verified with local authorities.

    Location Insight

    • Map
    • Local Demand
    City
    Charlottesville
    County
    Charlottesville
    State
    Virginia
    Longitude
    -78.5044193
    Latitude
    38.0163459

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    FAQs

    What type of property is this?
    Duplex - Side-by-side duplex near UVA Health System with strong rental income.
    Where is this duplex located?
    The property is located at 2520 Naylor St Charlottesville, VA.
    What is the asking price?
    The asking price for this property is $659,900.
    What are key features of this property?
    This property features: - Turnkey duplex in a desirable location near Fry's Spring, walkable to Wegmans & 5th St Station, and 2 miles to UVA Health System.; - Excellent investment opportunity with a cap rate over 5.9% and $3,790/month total income ($1,895/unit).; - Each unit features 3 bedrooms, 3 bathrooms (1 full, 2 half), and a full-size laundry closet.
    (434) 964-7283
    Request Owner's contact information
    2520 Naylor St Charlottesville, VA 22903
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    Charlottesville, VA 22903
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

    More about this property
    2520 Naylor St Charlottesville, VA 22903
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    We can help!
    Listing Contact
    H. JORDAN HAGUE
    H. JORDAN HAGUE
    Real Estate License ID: 0225182466
    (434) 964-7283
    Learn more
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