Albemarle County property record for 2012 Kemper Ln, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,837 sqft · built 2001 |
| Lot Size | 0.269 acres (11,718 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,761 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062F1-00-00-32600 |
| Primary APN | 062F1-00-00-32600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,837 sqft Finished Area |
| Basement Area | 1,273 sqft |
| Finished Basement | 700 sqft |
| Unfinished Basement | 586 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 11,718 sqft (0.269 acres) |
| Garage Area | 440 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 92 sqft |
| Deck Area | 232 sqft |
| Patio Area | 980 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2012 KEMPER LN |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-0667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | DUNLORA 326 PH-4A |
| Legal Subdivision | DUNLORA |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIO |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10602 |
2012 Kemper Ln is owned and occupied by an individual.
Source: Albemarle County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2012 KEMPER LN, CHARLOTTESVILLE, VA 22901-0667 |
| 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.
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 9, 2020 | Grant Deed, Transfer · Conventional with PMI FIRST FED'L SVGS BK |
| Sep 14, 2017 | Deed of Trust, Mortgage · Line of Credit UNION BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Apr 29, 2026 |
| Property Address | 2012 KEMPER LN, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 0000003996 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20263996 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2012 KEMPER LN, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 0000003996, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263996 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Oct 9, 2020 |
| Property Address | 2012 KEMPER LN, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 0000014243 |
| Book / Page | 005404 / 000327 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 14243 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | COURT SQUARE TITLE/CHARLOTTESV |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $512.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2012 KEMPER LN CHARLOTTESVILLE VA 229010667, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 14244 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 005404/000330 |
| Instrument | 14244 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2050 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2012 KEMPER LN, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 0000010978 |
| Instrument Date | Sep 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2012 KEMPER LN CHARLOTTESVILLE VA 229010667, CHARLOTTESVILLE, VA 22901-0667 |
| Document Number | 0000010978 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 004962/000109 |
| Instrument | 10978 |
| Name | UNION BK&TR |
|---|---|
| Type | Bank |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 2012 Kemper Ln was $6,761, up 4.5% from the year before.
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,761.00 (+4.5%) | $756,300 (+4.49%) Land $170,000 Building $586,300 | $756,300 (+4.49%) Land $170,000 Building $586,300 |
| 2025 | $6,470.00 | $723,800 Land $175,000 Building $548,800 | $723,800 Land $175,000 Building $548,800 |
| 2023 | $5,363.00 | $628,100 Land $160,000 Building $468,100 | $628,100 Land $160,000 Building $468,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2012 Kemper Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 | 4 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · other causes |
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 risk around 2012 Kemper 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Ting Fiber | 1,000 / 1,000 |
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