Albemarle County property record for 2140 Ridgetop Dr, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,814 sqft · built 2019 |
| Lot Size | 0.689 acres (30,013 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $837,585 (Dec 2019) |
| Tax Bill | $9,880 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 076S0-03-00-08200 |
| Primary APN | 076S0-03-00-08200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,814 sqft Finished Area |
| Basement Area | 1,585 sqft |
| Finished Basement | 1,207 sqft |
| Unfinished Basement | 378 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Composition/Composite |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 30,013 sqft (0.689 acres) |
| View / Lot | Flood Plain/Flood Zone |
| Garage Area | 681 sqft |
| Porch | Slab |
| Porch Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2140 RIDGETOP DR |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-8822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 RESIDEN |
| Legal Description | WINTERGREEN FARM LOT 82 PH III |
| Legal Subdivision | WINTERGREEN FARM |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11202 |
Source: Albemarle County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 2140 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage MORGAN STANLEY PVT BK NA |
| Dec 19, 2019 | Grant Deed, Transfer FIRST HERITAGE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2019 · Amount on Record |
| Deed Sale | Dec 19, 2019 · Amount on Record |
| Deed Document Number | 201914063 |
| Deed Book / Page | 5257 / 505 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2140 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8822 |
| Document Number | 0000019002 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2140 RIDGETOP DR CHARLOTTESVILLE VA 229038822, CHARLOTTESVILLE, VA 22903-8822 |
| Document Number | 0000019002 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 005452/000202 |
| Instrument | 19002 |
| Name | MORGAN STANLEY PVT BK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2050 |
| Rate | 3.1% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Dec 19, 2019 |
| Property Address | 2140 RIDGETOP DR, CHARLOTTESVILLE, VA 22903-8822 |
| Document Number | 0000014063 |
| Book / Page | 005257 / 000505 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 14063 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $837.58 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2140 RIDGETOP DR CHARLOTTESVILLE VA 229038822, CHARLOTTESVILLE, VA 22903-8822 |
| Document Number | 14064 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 005257/000508 |
| Instrument | 14064 |
| Name | FIRST HERITAGE MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 18, 2049 |
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 | $9,880.00 (+3.51%) | $1,105,100 (+3.5%) Land $232,500 Building $872,600 | $1,105,100 (+3.5%) Land $232,500 Building $872,600 |
| 2025 | $9,545.00 (+12.25%) | $1,067,700 (+7.23%) Land $222,500 Building $845,200 | $1,067,700 (+7.23%) Land $222,500 Building $845,200 |
| 2023 | $8,503.00 | $995,700 Land $220,000 Building $775,700 | $995,700 Land $220,000 Building $775,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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