2041 Ridgetop Dr, Charlottesville, VA 22903 Property Records

Albemarle County property record for 2041 Ridgetop Dr, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,002 sqft · built 2006
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Nov 2021)
Tax Bill	$8,204 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`090E0-00-00-104A0`

Property Details

APN / Parcel Number

Primary APN	`090E0-00-00-104A0`
Alternative APN	`37702`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,002 sqft Finished Area
Basement Area	1,433 sqft
Unfinished Basement	1,433 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood
Lot Area	19,994 sqft (0.459 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	144 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2041 RIDGETOP DR
City	CHARLOTTESVILLE
State	VA
Zip	22903-8812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 RESIDEN
Legal Description	MOSBY MOUNTAIN 104A
Legal Subdivision	MOSBY MOUNTAIN
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	1
Census Block	1005
Census Tract	11202

Owner

2041 Ridgetop Dr is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2041 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8812
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Sep 13, 2012 · Amount on File
Deed Document Number	202118928
Deed Book / Page	5639 / 552
Prior Transfer Date	Apr 9, 2013
Prior Transfer Doc	4333/530
Record Updated	Sep 20, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Nov 12, 2021
Property Address	2041 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8812
Document Number	5639/552
Book / Page	5639 / 552
Map Reference	MB 2830 PG 18
Instrument Date	Nov 2, 2021
Instrument	2021-00018928
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2041 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8812

Mortgage

Document Number	202100018929
Date	Nov 12, 2021
Instrument	2021-00018929

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 2041 Ridgetop Dr was $8,204, up 1.8% 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	$8,204.00 (+1.76%)	$917,700 (+1.75%) Land $192,500 Building $725,200	$917,700 (+1.75%) Land $192,500 Building $725,200
2025	$8,062.00	$901,900 Land $192,500 Building $709,400	$901,900 Land $192,500 Building $709,400
2023	$6,171.00	$722,600 Land $187,000 Building $535,600	$722,600 Land $187,000 Building $535,600

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

Flood

FEMA maps place 2041 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 2041 Ridgetop Dr is low, with a 0.02% 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	0.02% 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

Nearby Properties on Ridgetop Dr

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