1933 Ridgetop Dr, Charlottesville, VA 22903 Property Records

Albemarle County property record for 1933 Ridgetop Dr, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,250 sqft · built 2006
Lot Size	0.463 acres (20,168 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Jan 2020)
Tax Bill	$8,754 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`090E0-00-00-08700`

Property Details

APN / Parcel Number

Primary APN	`090E0-00-00-08700`
Alternative APN	`37684`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,250 sqft Finished Area
Basement Area	1,828 sqft
Finished Basement	1,330 sqft
Unfinished Basement	498 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	20,168 sqft (0.463 acres)
Garage Area	552 sqft

Exterior Amenities

Porch	Slab
Porch Area	363 sqft
Deck Area	144 sqft
Patio Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1933 RIDGETOP DR
City	CHARLOTTESVILLE
State	VA
Zip	22903-8808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 RESIDEN
Legal Description	MOSBY MOUNTAIN LOT 87
Legal Subdivision	MOSBY MOUNTAIN
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	1
Census Block	1005
Census Tract	11202

Owner

1933 Ridgetop Dr is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1933 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8808
Occupancy	Owner Occupied
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
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MORTGAGE LLC
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MTG
Jan 28, 2020	Grant Deed, Transfer GEORGE MASON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on File
Deed Sale	Jan 28, 2020 · Amount on File
Prior Sale	May 17, 2016 · Amount on File
Deed Document Number	20201045
Deed Book / Page	5271 / 72
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1933 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8808
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200011676
Date	Oct 6, 2022
Instrument	202200011676

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Jul 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1933 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8808
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & STLMTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5607/355
Date	Sep 14, 2021
Book Page	5607/355
Instrument	2021-00015723

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	1933 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8808
Document Number	0000016470
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	STRATFORD TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1933 RIDGETOP DR CHARLOTTESVILLE VA 229038808, CHARLOTTESVILLE, VA 22903-8808

Mortgage

Document Number	0000016470
Date	Nov 16, 2020
Book Page	005426/000549
Instrument	16470

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Jan 28, 2020
Property Address	1933 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8808
Document Number	0000001045
Book / Page	005271 / 000072
Instrument Date	Jan 21, 2020
Instrument	1045
Transaction Type	Transfer
Record Updated	Feb 7, 2020
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	$630.00
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	1933 RIDGETOP DR CHARLOTTESVILLE VA 229038808, CHARLOTTESVILLE, VA 22903-8808

Mortgage

Document Number	1046
Date	Jan 28, 2020
Book Page	005271/000077
Instrument	1046

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1933 Ridgetop Dr was $8,754, up 4% 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	$8,754.00 (+3.97%)	$979,200 (+3.96%) Land $192,500 Building $786,700	$979,200 (+3.96%) Land $192,500 Building $786,700
2025	$8,420.00	$941,900 Land $192,500 Building $749,400	$941,900 Land $192,500 Building $749,400
2023		$755,300 Land $187,000 Building $568,300	$755,300 Land $187,000 Building $568,300

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

Flood

FEMA maps place 1933 Ridgetop Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.

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	2 in force
Nearby Flood Claims	5 (1982–2018)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 2018 · river or lake flooding

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 1933 Ridgetop Dr 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	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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Firefly Fiber Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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