2004 Echo Ridge Rd, Charlottesville, VA 22911 Property Records

Albemarle County property record for 2004 Echo Ridge Rd, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,278 sqft · built 1993
Lot Size	0.531 acres (23,130 sqft)
Owner	Individual Name on File
Tax Bill	$5,144 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`046B3-00-0M-01000`

Property Details

APN / Parcel Number

Primary APN	`046B3-00-0M-01000`
Alternative APN	`12525`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,278 sqft Finished Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	23,130 sqft (0.531 acres)
View / Lot	Proximity to Airport
Porch	Slab
Deck Area	243 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Street Address	2004 ECHO RIDGE RD
City	CHARLOTTESVILLE
State	VA
Zip	22911-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	FOREST LAKES M 10 PH-I
Legal Subdivision	FOREST LAKES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1008
Census Tract	10303

Owner

Source: Albemarle County records · APN 046B3-00-0M-01000

Assessment roll updated June 15, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	2004 ECHO RIDGE RD, CHARLOTTESVILLE, VA 22911-7220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2004 ECHO RIDGE RD, CHARLOTTESVILLE, VA 22911-7220
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500009898
Date	Oct 22, 2025
Instrument	202500009898

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Albemarle County
Unified School District	Albemarle County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,144.00 (+4.15%)	$575,400 (+23.03%) Land $198,600 Building $376,800	$575,400 (+23.03%) Land $198,600 Building $376,800
2025	$4,939.00 (+23.66%)
2023	$3,994.00	$467,700 Land $157,100 Building $310,600	$467,700 Land $157,100 Building $310,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 3, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ting Fiber Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 281 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ACSA URBAN AREA serves 77,408 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.