326 Shepherds Ridge Cir, Charlottesville, VA 22901 Property Records

Albemarle County property record for 326 Shepherds Ridge Cir, Charlottesville, VA 22901

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,062 sqft · built 2001
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on Record
Tax Bill	$6,672 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062F0-00-00-28600`

Property Details

APN / Parcel Number

Primary APN	`062F0-00-00-28600`
Alternative APN	`27323`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,062 sqft Finished Area
Basement Area	1,679 sqft
Unfinished Basement	1,666 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Roof Material	Other
Lot Area	13,983 sqft (0.321 acres)
View / Lot	Proximity to Airport
Garage Area	440 sqft

Exterior Amenities

Porch	Slab
Porch Area	94 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	326 SHEPHERDS RIDGE CIR
City	CHARLOTTESVILLE
State	VA
Zip	22901-0665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	DUNLORA 286 PH 3A
Legal Subdivision	DUNLORA
Jurisdiction	ALBEMARLE VA
Township / Civil Division	RIO
Census Block Group	1
Census Block	1019
Census Tract	10602

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	326 SHEPHERDS RIDGE CIR, CHARLOTTESVILLE, VA 22901-0665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	326 SHEPHERDS RIDGE CIR, CHARLOTTESVILLE, VA 22901-0665
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 SHEPHERDS RIDGE CIR, CHARLOTTESVILLE, VA 22901-0665

Mortgage

Document Number	202200009702
Date	Aug 10, 2022
Instrument	202200009702

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	326 SHEPHERDS RIDGE CIR, CHARLOTTESVILLE, VA 22901-0665
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200001382
Date	Feb 2, 2022
Instrument	202200001382

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

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	$6,672.00 (+2.07%)	$746,300 (+2.05%) Land $170,000 Building $576,300	$746,300 (+2.05%) Land $170,000 Building $576,300
2025	$6,537.00 (+20.19%)	$731,300 (+14.82%) Land $175,000 Building $556,300	$731,300 (+14.82%) Land $175,000 Building $556,300
2023	$5,439.00	$636,900 Land $160,000 Building $476,900	$636,900 Land $160,000 Building $476,900

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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · other causes

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	0.01% 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 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000

May also be available: Brightspeed, T-Mobile, Verizon.

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