130 Ivy Ridge Rd, Charlottesville, VA 22901 Property Records

Albemarle County property record for 130 Ivy Ridge Rd, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,095 sqft · built 1985
Lot Size	2.24 acres (97,879 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Apr 2022)
Tax Bill	$12,147 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04400-00-00-036N0`

Property Details

APN / Parcel Number

Primary APN	`04400-00-00-036N0`
Alternative APN	`9646`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,095 sqft Finished Area
Basement Area	1,835 sqft
Finished Basement	1,039 sqft
Unfinished Basement	796 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	97,879 sqft (2.24 acres)
View / Lot	Proximity to Airport
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	541 sqft
Deck Area	420 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	130 IVY RIDGE RD
City	CHARLOTTESVILLE
State	VA
Zip	22901-8956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL AREA
Legal Description	IVY RIDGE 10
Legal Subdivision	IVY RIDGE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	JACK JOUETT
Census Block Group	1
Census Block	1015
Census Tract	10802

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	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU
Apr 21, 2022	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Aug 13, 2021	Deed of Trust, Mortgage · VA Mortgage PLAINS COMMERCE BANK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG
Jun 18, 2019	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2022 · Amount on Record
Deed Sale	Apr 21, 2022 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	20224830
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300003259
Date	Apr 27, 2023
Instrument	202300003259

Lender

Name	MEMBER ONE FCU
Type	Credit Union
Address	ROANOKE, VA 24024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Apr 21, 2022
Property Address	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Document Number	202200004830
Instrument Date	Apr 20, 2022
Instrument	202200004830
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
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	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956

Mortgage

Document Number	202200004832
Date	Apr 21, 2022
Instrument	202200004832

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	OHANA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5591/255
Date	Aug 13, 2021
Book Page	5591/255
Instrument	2021-00014090

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Document Number	0000005622
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	130 IVY RIDGE RD CHARLOTTESVILLE VA 229018956, CHARLOTTESVILLE, VA 22901-8956

Mortgage

Document Number	0000005622
Date	May 15, 2020
Book Page	005317/000046
Instrument	5622

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jun 18, 2019
Property Address	130 IVY RIDGE RD, CHARLOTTESVILLE, VA 22901-8956
Document Number	0000006068
Book / Page	005179 / 000736
Instrument Date	Jun 12, 2019
Instrument	6068
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
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	130 IVY RIDGE RD CHARLOTTESVILLE VA 229018956, CHARLOTTESVILLE, VA 22901-8956

Mortgage

Document Number	6069
Date	Jun 18, 2019
Book Page	005179/000740
Instrument	6069

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 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	$12,147.00 (+13.84%)	$1,358,700 (+13.83%) Land $177,300 Building $1,181,400	$1,358,700 (+13.83%) Land $177,300 Building $1,181,400
2025	$10,670.00 (+33.13%)	$1,193,600 (+27.17%) Land $154,000 Building $1,039,600	$1,193,600 (+27.17%) Land $154,000 Building $1,039,600
2023	$8,015.00	$938,600 Land $154,000 Building $784,600	$938,600 Land $154,000 Building $784,600

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	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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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