Charlottesville City property record for 109 Harmon St, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,330 sqft · built 1940 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $261,300 (Jun 2015) |
| Tax Bill | $4,233 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 160060000 |
| Primary APN | 160060000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,330 sqft Finished Area |
| 1st Floor Area | 884 sqft |
| Basement Area | 312 sqft |
| Unfinished Basement | 312 sqft |
| Flooring | Hardwood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 6,011 sqft (0.138 acres) |
| Lot Depth | 120 ft Depth |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 540 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 109 HARMON ST |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CX-5 |
| Legal Description | LOT 31 BK 12 |
| Legal Subdivision | UNIVERSITY-MAURY HILLS |
| Legal Block | 12 |
| Legal Lot Number | 31 |
| Jurisdiction | CHARLOTTESVILLE CITY VA |
| Township / Civil Division | CHARLOTTESVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 600 |
109 Harmon St is owned by an individual who bought it in June 2015.
Source: Charlottesville City records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 125 OBSERVATORY AVE, CHARLOTTESVILLE, VA 22903-3002 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2015 · Amount on File |
| Deed Sale | Jun 3, 2015 · Amount on File |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 109 Harmon St was $4,233, up 2.3% from the year before.
Source: Charlottesville City assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Charlottesville City |
| Unified School District | Charlottesville City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,233.00 (+2.27%) | $420,400 (+1.3%) Land $166,500 Building $253,900 | $420,400 (+1.3%) Land $166,500 Building $253,900 |
| 2025 | $4,139.00 | $415,000 Land $166,500 Building $248,500 | $415,000 Land $166,500 Building $248,500 |
| 2023 | $3,529.00 (+11.75%) | $355,400 Land $142,200 Building $213,200 | $355,400 Land $142,200 Building $213,200 |
| 2022 | $3,158.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Harmon St in Zone X, an area of minimal flood risk.
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 risk around 109 Harmon St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CHARLOTTESVILLE serves 46,553 people · EPA ID VA2540500 |
|---|---|
| Water Source | Purchased surface water from RWSA URBAN SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
May also be available: Brightspeed, Verizon.
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