3232 Bergen St, Charlottesville, VA 22902 Property Records

Albemarle County property record for 3232 Bergen St, Charlottesville, VA 22902

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,200 sqft · built 2019
Lot Size	0.071 acres (3,093 sqft)
Owner	Individual Name on Record
Last Sale	$399,600 (May 2020)
Tax Bill	$5,166 (2026)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`091A1-00-00-01200`

Property Details

APN / Parcel Number

Primary APN	`091A1-00-00-01200`
Alternative APN	`316220`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,200 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,093 sqft (0.071 acres)
Garage Area	423 sqft
Porch	Slab
Porch Area	66 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3232 BERGEN ST
City	CHARLOTTESVILLE
State	VA
Zip	22902-6248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVINITY ESTATES LOT 12
Legal Subdivision	AVINITY ESTATES
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SCOTTSVILLE
Census Block Group	1
Census Block	1007
Census Tract	11303

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Southern Albemarle Rural Historic District listed 2007 · 1,869 contributing resources · NRIS 07001236

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	3232 BERGEN ST, CHARLOTTESVILLE, VA 22902-6248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
May 21, 2020	Grant Deed, Transfer · Conventional Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Deed Document Number	20205881
Deed Book / Page	5319 / 653
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	3232 BERGEN ST, CHARLOTTESVILLE, VA 22902-6248
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5491/485
Date	Mar 3, 2021
Book Page	5491/485
Instrument	2021-00003770

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFIELD, NJ 07004

Agreement

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

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBEMARLE VA
Recording Date	May 21, 2020
Property Address	3232 BERGEN ST, CHARLOTTESVILLE, VA 22902-6248
Document Number	0000005881
Book / Page	005319 / 000653
Instrument Date	Apr 29, 2020
Instrument	5881
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	COURT SQUARE TITLE/CHARLOTTESV

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	3232 BERGEN ST CHARLOTTESVILLE VA 229026248, CHARLOTTESVILLE, VA 22902-6248

Mortgage

Document Number	5882
Date	May 21, 2020
Book Page	005319/000656
Instrument	5882

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

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	$5,166.00 (+7%)	$577,800 (+6.43%) Land $126,000 Building $451,800	$577,800 (+6.43%) Land $126,000 Building $451,800
2025	$4,828.00 (+4.14%)
2023	$4,636.00	$542,900 Land $103,800 Building $439,100	$542,900 Land $103,800 Building $439,100

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	1 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Brightspeed.

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