105 Pepper Pl, Charlottesville, VA 22902 Property Records

Albemarle County property record for 105 Pepper Pl, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1980
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on Record
Last Sale	$328,000 (May 2024)
Tax Bill	$3,069 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`076M2-00-00-03800`

Property Details

APN / Parcel Number

Primary APN	`076M2-00-00-03800`
Alternative APN	`31438`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.086 acres)
View / Lot	Proximity to Airport
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	105 PEPPER PL
City	CHARLOTTESVILLE
State	VA
Zip	22902-6429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	WILLOUGHBY LOT 38 SEC 3
Legal Subdivision	WILLOUGHBY
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	2
Census Block	2000
Census Tract	11303

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	105 PEPPER PL, CHARLOTTESVILLE, VA 22902-6429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Deed Document Number	20243428
Record Updated	Sep 20, 2026

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 30, 2019
Property Address	105 PEPPER PL, CHARLOTTESVILLE, VA 22902-6429
Document Number	0000009615
Book / Page	005213 / 000782
Instrument Date	Aug 28, 2019
Instrument	9615
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.68
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	105 PEPPER PL CHARLOTTESVILLE VA 229026429, CHARLOTTESVILLE, VA 22902-6429

Mortgage

Document Number	9616
Date	Aug 30, 2019
Book Page	005214/000001
Instrument	9616

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

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	$3,069.00 (+2.95%)	$343,300 (+2.94%) Land $94,000 Building $249,300	$343,300 (+2.94%) Land $94,000 Building $249,300
2025	$2,981.00 (+34.28%)	$333,500 (+28.27%) Land $90,000 Building $243,500	$333,500 (+28.27%) Land $90,000 Building $243,500
2023	$2,220.00	$260,000 Land $83,000 Building $177,000	$260,000 Land $83,000 Building $177,000

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	5 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	0.01% 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 223 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
T-Mobile Fixed Wireless	100 / 20