2245 Ridgeway Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 2245 Ridgeway Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,048 sqft · built 1984
Lot Size	1.05 acres (45,825 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Aug 2021)
Tax Bill	$7,021 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`078A0-03-00-02600`

Property Details

APN / Parcel Number

Primary APN	`078A0-03-00-02600`
Alternative APN	`33415`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,048 sqft Finished Area
Basement Area	1,435 sqft
Finished Basement	863 sqft
Unfinished Basement	572 sqft
Family Room	Family Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood
Lot Area	45,825 sqft (1.05 acres)
Deck Area	150 sqft
Patio Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	2245 RIDGEWAY LN
City	CHARLOTTESVILLE
State	VA
Zip	22911-8664
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	ASHCROFT 3 26 PH I
Legal Subdivision	ASHCROFT
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2017
Census Tract	10501

Owner

Source: Albemarle County assessment roll, as of June 15, 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	2245 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Aug 17, 2021	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Apr 21, 2017	Deed of Trust, Mortgage · Line of Credit FULTON BK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2021 · Amount on Record
Deed Sale	Aug 17, 2021 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	202114250
Deed Book / Page	5592 / 792
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2245 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 BERKMAR DR, CHARLOTTESVILLE, VA 22901-1491

Mortgage

Document Number	202600002902
Date	Mar 31, 2026
Instrument	202600002902

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	Mar 30, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Aug 17, 2021
Property Address	2245 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Document Number	5592/792
Book / Page	5592 / 792
Map Reference	MB 737 PG 428
Instrument Date	Aug 16, 2021
Instrument	2021-00014250
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2245 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664

Mortgage

Document Number	202100014251
Date	Aug 17, 2021
Instrument	2021-00014251

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2245 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Document Number	0000006621
Book / Page	004921 / 000214
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 RIDGEWAY LN CHARLOTTESVILLE VA 229118664, CHARLOTTESVILLE, VA 22911-8664

Mortgage

Document Number	0000006621
Date	Jun 14, 2017
Book Page	004921/000214
Instrument	6621

Lender

Name	FULTON BK NA
Address	GLEN ALLEN, VA 23060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$7,021.00 (+1.46%)	$785,400 (+1.46%) Land $180,000 Building $605,400	$785,400 (+1.46%) Land $180,000 Building $605,400
2025	$6,920.00 (+15.93%)	$774,100 (+10.74%) Land $179,000 Building $595,100	$774,100 (+10.74%) Land $179,000 Building $595,100
2023	$5,969.00	$699,000 Land $157,500 Building $541,500	$699,000 Land $157,500 Building $541,500

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

Flood

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	7 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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