2431 Pendower Ln, Keswick, VA 22947 Property Records

Albemarle County property record for 2431 Pendower Ln, Keswick, VA 22947

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,130 sqft · built 2013
Lot Size	0.333 acres (14,505 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Oct 2020)
Tax Bill	$8,363 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093A4-00-S5-03800`

Property Details

APN / Parcel Number

Primary APN	`093A4-00-S5-03800`
Alternative APN	`39137`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,130 sqft Finished Area
Basement Area	2,130 sqft
Finished Basement	641 sqft
Unfinished Basement	1,489 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Traditional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Wood
Lot Area	14,505 sqft (0.333 acres)
Garage Area	516 sqft
Porch	Slab
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2431 PENDOWER LN
City	KESWICK
State	VA
Zip	22947-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	GLENMORE S5 38 PHASE I
Legal Subdivision	GLENMORE
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	2
Census Block	2000
Census Tract	10402

Owner

2431 Pendower Ln is owned and occupied by an individual who bought it in October 2020.

Source: Albemarle County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	2431 PENDOWER LN, KESWICK, VA 22947-9192
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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM FIRST FCU
Oct 15, 2020	Grant Deed, Transfer · Conventional Mortgage FREEDOM FIRST FCU
Aug 27, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2020 · Amount on File
Deed Sale	Oct 15, 2020 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	202014499
Deed Book / Page	5407 / 267
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Recording Date	Sep 10, 2026
Property Address	2431 PENDOWER LN, KESWICK, VA 22947-9192
Document Number	0000008916
Instrument Date	Sep 4, 2026
Instrument	20268916
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 PENDOWER LN, KESWICK, VA 22947-9192

Mortgage

Document Number	0000008916,
Date	Sep 10, 2026
Instrument	20268916

Lender

Name	FREEDOM FIRST FCU

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	Oct 15, 2020
Property Address	2431 PENDOWER LN, KESWICK, VA 22947-9192
Document Number	0000014499
Book / Page	005407 / 000267
Instrument Date	Oct 2, 2020
Instrument	14499
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2431 PENDOWER LN KESWICK VA 229479192, KESWICK, VA 22947-9192

Mortgage

Document Number	14500
Date	Oct 15, 2020
Book Page	005407/000272
Instrument	14500

Lender

Name	FREEDOM FIRST FCU
Address	SALEM, VA 24153-6433

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	2431 PENDOWER LN, KESWICK, VA 22947-9192
Document Number	0000001226
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 PENDOWER LN KESWICK VA 229479192, KESWICK, VA 22947-9192

Mortgage

Document Number	0000001226
Date	Jan 31, 2020
Book Page	005272/000549
Instrument	1226

Lender

Name	BANK OF THE JAMES
Type	Bank
Address	FOREST, VA 24551

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2431 Pendower Ln was $8,363, up 10.3% 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	$8,363.00 (+10.34%)	$935,500 (+10.34%) Land $216,000 Building $719,500	$935,500 (+10.34%) Land $216,000 Building $719,500
2025	$7,579.00	$847,800 Land $206,400 Building $641,400	$847,800 Land $206,400 Building $641,400
2023	$6,239.00	$730,600 Land $206,400 Building $524,200	$730,600 Land $206,400 Building $524,200

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

Flood

FEMA maps place 2431 Pendower Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · rainfall accumulation

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 2431 Pendower Ln is low, with a 0.01% 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	0.01% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: Firefly Fiber Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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