103 Gloucester Ct, Charlottesville, VA 22901 Property Records

Albemarle County property record for 103 Gloucester Ct, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,184 sqft · built 1987
Lot Size	1.03 acres (44,997 sqft)
Owner	Individual Name on Record
Tax Bill	$5,016 (2026)
Deeds & Mortgages	Apr 2019 Line of Credit Sep 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045B2-02-00-00300`

Property Details

APN / Parcel Number

Primary APN	`045B2-02-00-00300`
Alternative APN	`10579`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,184 sqft Finished Area
Basement Area	1,008 sqft
Finished Basement	756 sqft
Unfinished Basement	252 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Material	Wood
Lot Area	44,997 sqft (1.03 acres)
View / Lot	Proximity to Airport

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	268 sqft
Patio Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	103 GLOUCESTER CT
City	CHARLOTTESVILLE
State	VA
Zip	22901-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 RESIDEN
Legal Description	CARRSBROOK 3
Legal Subdivision	CARRSBROOK
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	1
Census Block	1001
Census Tract	10604

Owner

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	Individual Name on Record
Mailing Address	103 GLOUCESTER CT, CHARLOTTESVILLE, VA 22901-1046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Sep 11, 2018	Trustee's Deed, Construction Loan · Construction Mortgage KAREN L GILLASPIE
Jan 23, 2018	Quit Claim Deed, Mortgage · Conventional Mortgage WATERMARK CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 11, 2018
Transfer Doc	5006/717
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	103 GLOUCESTER CT, CHARLOTTESVILLE, VA 22901-1046
Document Number	0000003405
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GLOUCESTER CT CHARLOTTESVILLE VA 229011046, CHARLOTTESVILLE, VA 22901-1046

Mortgage

Document Number	0000003405
Date	Apr 16, 2019
Book Page	005155/000167
Instrument	3405

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

Interest

Rate Type	Adjustable Rate

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 11, 2018
Property Address	103 GLOUCESTER CT, CHARLOTTESVILLE, VA 22901-1046
Book / Page	005093 / 000560
Instrument Date	Aug 13, 2018
Instrument	10196
Transaction Type	Construction Loan
Record Updated	Oct 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GLOUCESTER CT CHARLOTTESVILLE VA 229011046, CHARLOTTESVILLE, VA 22901-1046

Mortgage

Document Number	0000010196
Date	Sep 11, 2018
Book Page	005093/000560
Instrument	10196

Lender

Name	KAREN L GILLASPIE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2019

Interest

Rate	4%

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 23, 2018
Property Address	103 GLOUCESTER CT, CHARLOTTESVILLE, VA 22901-1046
Document Number	0000000767
Book / Page	005006 / 000717
Instrument Date	Jan 11, 2018
Instrument	767
Transaction Type	Mortgage
Record Updated	Feb 12, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 GLOUCESTER CT CHARLOTTESVILLE VA 229011046, CHARLOTTESVILLE, VA 22901-1046

Mortgage

Document Number	768
Date	Jan 23, 2018
Book Page	005006/000722
Instrument	768

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

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	$5,016.00 (+5%)	$561,100 (+5%) Land $120,600 Building $440,500	$561,100 (+5%) Land $120,600 Building $440,500
2025	$4,777.00 (+25.81%)	$534,400 (+20.17%) Land $126,000 Building $408,400	$534,400 (+20.17%) Land $126,000 Building $408,400
2023	$3,797.00	$444,700 Land $121,500 Building $323,200	$444,700 Land $121,500 Building $323,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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