Albemarle County property record for 2228 Shepherds Ridge Rd, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,958 sqft · built 2003 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Apr 2018) |
| Tax Bill | $5,289 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062F0-00-00-38600 |
| Primary APN | 062F0-00-00-38600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,958 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 7,928 sqft (0.182 acres) |
| View / Lot | Proximity to Airport |
| Garage Area | 441 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 78 sqft |
| Patio Area | 120 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2228 SHEPHERDS RIDGE RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-0674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | DUNLORA 386 PH 3B |
| Legal Subdivision | DUNLORA |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | RIO |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10602 |
Source: Albemarle County records · APN 062F0-00-00-38600
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 | 2228 SHEPHERDS RIDGE RD, CHARLOTTESVILLE, VA 22901-0674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Apr 30, 2018 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 30, 2018 · Amount on Record |
| Deed Sale | Apr 30, 2018 · Amount on Record |
| Deed Document Number | 20184492 |
| Deed Book / Page | 5040 / 56 |
| Prior Transfer Date | Jan 19, 2012 |
| Prior Transfer Doc | 4129/0694 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 2228 SHEPHERDS RIDGE RD, CHARLOTTESVILLE, VA 22901-0674 |
| Document Number | 0000013444 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2020 |
| Title Company | PARTNERS ESCROW AND TITLE, PARTNERS ESCROW & TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2228 SHEPHERDS RIDGE RD CHARLOTTESVILLE VA 229010674, CHARLOTTESVILLE, VA 22901-0674 |
| Document Number | 0000013444 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 005396/000049 |
| Instrument | 13444 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2050 |
| Rate | 3.25% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Recording Date | Apr 30, 2018 |
| Property Address | 2228 SHEPHERDS RIDGE RD, CHARLOTTESVILLE, VA 22901-0674 |
| Document Number | 0000004492 |
| Book / Page | 005040 / 000056 |
| Instrument Date | Feb 01, 2018 |
| Instrument | 4492 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | CLOSURE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2228 SHEPHERDS RIDGE RD CHARLOTTESVILLE VA 229010674, CHARLOTTESVILLE, VA 22901-0674 |
| Document Number | 4493 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 005040/000061 |
| Instrument | 4493 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2048 |
Source: Albemarle County records · Assessment roll updated June 15, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
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 | $5,289.00 (-9.39%) | $591,600 (-9.4%) Land $136,500 Building $455,100 | $591,600 (-9.4%) Land $136,500 Building $455,100 |
| 2025 | $5,837.00 (+15.4%) | $653,000 (+10.25%) Land $135,000 Building $518,000 | $653,000 (+10.25%) Land $135,000 Building $518,000 |
| 2023 | $5,058.00 | $592,300 Land $127,500 Building $464,800 | $592,300 Land $127,500 Building $464,800 |
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
| 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber Fiber | 1,000 / 1,000 |
May also be available: Brightspeed, T-Mobile USA, Verizon.
Based on FCC filings for 226 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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 |
| 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.
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