1125 Pen Park Ln, Charlottesville, VA 22901 Property Records

Albemarle County property record for 1125 Pen Park Ln, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 720 sqft · built 1977
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Aug 2022)
Tax Bill	$3,676 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`061A0-01-00-04000`

Property Details

APN / Parcel Number

Primary APN	`061A0-01-00-04000`
Alternative APN	`22956`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	720 sqft Finished Area
Basement Area	720 sqft
Finished Basement	620 sqft
Unfinished Basement	100 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Porch	Slab
Porch Area	150 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	1125 PEN PARK LN
City	CHARLOTTESVILLE
State	VA
Zip	22901-3715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	RIO HEIGHTS 46
Legal Subdivision	RIO HEIGHTS
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	2
Census Block	2012
Census Tract	10602

Owner

1125 Pen Park Ln is owned by an individual who bought it in August 2022.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3138 MOLLIFIELD LN, CHARLOTTESVILLE, VA 22911-7210
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES INC
Jun 3, 2019	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2022 · Amount on File
Deed Sale	Aug 25, 2022 · Amount on File
Prior Sale	Jun 3, 2019 · Amount on File
Deed Document Number	202210270
Prior Transfer Date	Jun 10, 2015
Prior Transfer Doc	201500006841
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 25, 2022
Property Address	1125 PEN PARK LN, CHARLOTTESVILLE, VA 22901-3715
Document Number	202200010270
Map Reference	MB 628 PG 599
Instrument Date	Aug 11, 2022
Instrument	202200010270
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3138 MOLLIFIELD LN, CHARLOTTESVILLE, VA 22911-7210

Mortgage

Document Number	202200010271
Date	Aug 25, 2022
Instrument	202200010271

Lender

Name	BANK OF THE JAMES INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 3, 2019
Property Address	1125 PEN PARK LN, CHARLOTTESVILLE, VA 22901-3715
Document Number	0000005345
Book / Page	005173 / 000139
Instrument Date	May 3, 2019
Instrument	5345
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 PEN PARK LN CHARLOTTESVILLE VA 229013715, CHARLOTTESVILLE, VA 22901-3715

Mortgage

Document Number	5346
Date	Jun 3, 2019
Book Page	005173/000142
Instrument	5346

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2026 property tax bill for 1125 Pen Park Ln was $3,676, down 10.2% from the year before.

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	$3,676.00 (-10.23%)	$411,200 (-10.24%) Land $150,000 Building $261,200	$411,200 (-10.24%) Land $150,000 Building $261,200
2025	$4,095.00	$458,100 Land $150,000 Building $308,100	$458,100 Land $150,000 Building $308,100
2023	$3,426.00	$401,200 Land $130,000 Building $271,200	$401,200 Land $130,000 Building $271,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1125 Pen Park Ln 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	3 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

Wildfire risk around 1125 Pen Park Ln is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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 443 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
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Ting.

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