109 Junction Ln, Charlottesville, VA 22902 Property Records

Charlottesville City property record for 109 Junction Ln, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,824 sqft · built 2018
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Sep 2026)
Tax Bill	$4,998 (2026)
Deeds & Mortgages	Sep 2026 Sale Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`570123002`

Property Details

APN / Parcel Number

Primary APN	`570123002`
Alternative APN	`59628`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
1st Floor Area	912 sqft
2nd Floor Area	912 sqft
Basement Area	912 sqft
Flooring	Wood

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Roof Type	Gable
Roof Material	Other
Lot Area	2,178 sqft (0.05 acres)
Deck Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 JUNCTION LN
City	CHARLOTTESVILLE
State	VA
Zip	22902-6281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-C
Legal Description	LOT 2 BELMONT STATION
Legal Subdivision	BELMONT
Legal Lot Number	2
Jurisdiction	CHARLOTTESVILLE CITY VA
Township / Civil Division	CHARLOTTESVILLE
Census Block Group	3
Census Block	3001
Census Tract	402

Owner

Source: Charlottesville City records, as of October 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 JUNCTION LN, CHARLOTTESVILLE, VA 22902-6281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Re-recorded Document OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN
Apr 10, 2026	Bargain and Sale Deed, Transfer FIRST COMMUNITY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Apr 10, 2026 · Amount on Record
Deed Document Number	20262474
Record Updated	Oct 29, 2026

September 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CHARLOTTESVILLE CITY VA
Recording Date	Sep 4, 2026
Property Address	109 JUNCTION LN, CHARLOTTESVILLE, VA 22902-6281
Document Number	0000002474
Instrument Date	May 11, 2026
Instrument	20262474
Record Updated	Oct 7, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 JUNCTION LN, CHARLOTTESVILLE, VA 22902-6281

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHARLOTTESVILLE CITY VA
Recording Date	Apr 10, 2026
Property Address	109 JUNCTION LN, CHARLOTTESVILLE, VA 22902-6281
Document Number	0000000921
Instrument Date	Mar 11, 2026
Instrument	2026.921
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 JUNCTION LN, CHARLOTTESVILLE, VA 22902-6281

Mortgage

Document Number	0000000922,
Date	Apr 10, 2026
Instrument	2026.922

Lender

Name	FIRST COMMUNITY MORTGAGE INC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

Tax Assessment & Valuation

Source: Charlottesville City assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Charlottesville City
Unified School District	Charlottesville City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,998.00 (+6.64%)	$500,500 (+5.61%) Land $120,000 Building $380,500	$500,500 (+5.61%) Land $120,000 Building $380,500
2025	$4,687.00 (+4.09%)	$473,900 (+5.26%) Land $105,000 Building $368,900	$473,900 (+5.26%) Land $105,000 Building $368,900
2023	$4,503.00 (+11.27%)	$450,200 Land $95,000 Building $355,200	$450,200 Land $95,000 Building $355,200
2022	$4,047.00

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	7 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ting.

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