2265 Ridgeway Ln, Charlottesville, VA 22911 Property Records

Albemarle County property record for 2265 Ridgeway Ln, Charlottesville, VA 22911

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,495 sqft · built 1985
Lot Size	1.02 acres (44,518 sqft)
Owner	Individual Name on File
Last Sale	$342,800 (Jan 2014)
Tax Bill	$7,519 (2026)
Deeds & Mortgages	Jul 2021 Second Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`078A0-03-00-02400`

Property Details

APN / Parcel Number

Primary APN	`078A0-03-00-02400`
Alternative APN	`33413`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,495 sqft Finished Area
Basement Area	680 sqft
Finished Basement	576 sqft
Unfinished Basement	104 sqft
Family Room	Family Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2009
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	44,518 sqft (1.02 acres)
Garage Area	613 sqft

Exterior Amenities

Porch	Slab
Porch Area	186 sqft
Deck Area	100 sqft
Patio Area	184 sqft
Shed	1 Shed
Shed Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Street Address	2265 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 24 PH I
Legal Subdivision	ASHCROFT
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2017
Census Tract	10501

Owner

2265 Ridgeway Ln is owned and occupied by an individual who bought it in January 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2265 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
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

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMONWEALTH TRUSTEE LLC
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2014 · Amount on File
Deed Sale	Jan 23, 2014 · Amount on File
Prior Sale	Dec 15, 2009 · Amount on File
Deed Document Number	2014654
Prior Transfer Date	Aug 19, 2013
Prior Transfer Doc	0000012293
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2265 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5576/155
Date	Jul 16, 2021
Book Page	5576/155
Instrument	2021-00012475

Lender

Name	COMMONWEALTH TRUSTEE LLC
Type	Non-Lending Institution
Address	VIENNA, VA 22182

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2265 RIDGEWAY LN, CHARLOTTESVILLE, VA 22911-8664
Document Number	0000010016
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2265 RIDGEWAY LN CHARLOTTESVILLE VA 229118664, CHARLOTTESVILLE, VA 22911-8664

Mortgage

Document Number	0000010016
Date	Sep 13, 2019
Book Page	005217/000420
Instrument	10016

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2049

Interest

Rate	3.99%

Tax Assessment & Valuation

The 2026 property tax bill for 2265 Ridgeway Ln was $7,519, up 4.2% 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	$7,519.00 (+4.16%)	$841,100 (+4.15%) Land $171,000 Building $670,100	$841,100 (+4.15%) Land $171,000 Building $670,100
2025	$7,219.00	$807,600 Land $170,100 Building $637,500	$807,600 Land $170,100 Building $637,500
2023	$4,392.00	$514,400 Land $149,600 Building $364,800	$514,400 Land $149,600 Building $364,800

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

Flood

FEMA maps place 2265 Ridgeway Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2265 Ridgeway Ln is low, with a 0.03% annual chance of 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

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 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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