Albemarle County property record for 3280 Ridge Rd, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,820 sqft · built 1986 |
| Lot Size | 14.5 acres (633,362 sqft) |
| Owner | Individual Name on File |
| Last Sale | $970,000 (Feb 2013) |
| Tax Bill | $14,654 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02900-00-00-078A0 |
| Primary APN | 02900-00-00-078A0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 3,820 sqft Finished Area |
| Attic | Attic |
| Attic Area | 160 sqft |
| Basement Area | 2,232 sqft |
| Finished Basement | 2,032 sqft |
| Unfinished Basement | 200 sqft |
| Family Room | Family Room |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 633,362 sqft (14.5 acres) |
| View / Lot | Flood Plain/Flood Zone |
| Garage Area | 576 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 220 sqft |
| Patio Area | 992 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3280 RIDGE RD |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-7320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL AREA |
| Legal Description | ACREAGE PARCEL X |
| Legal Subdivision | WM MORRIS FOSTER |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | WHITE HALL |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 10100 |
3280 Ridge Rd is owned and occupied by an individual who bought it in February 2013.
Source: Albemarle County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3280 RIDGE RD, CHARLOTTESVILLE, VA 22901-7320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2013 · Amount on File |
| Deed Sale | Feb 22, 2013 · Amount on File |
| Deed Document Number | 20132566 |
| Deed Book / Page | 4307 / 587 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 3280 RIDGE RD, CHARLOTTESVILLE, VA 22901-7320 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 APPLEWOOD DR, ZION CROSSROADS, VA 22942-7026 |
| Document Number | 202600002719 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 202600002719 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
The 2026 property tax bill for 3280 Ridge Rd was $14,654, up 17% from the year before.
Source: Albemarle County assessment roll, as of June 15, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Albemarle County |
| Unified School District | Albemarle County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,654.00 (+16.96%) | $1,639,200 (+16.96%) Land $426,300 Building $1,212,900 | $1,639,200 (+16.96%) Land $426,300 Building $1,212,900 |
| 2025 | $12,529.00 | $1,401,500 Land $345,200 Building $1,056,300 | $1,401,500 Land $345,200 Building $1,056,300 |
| 2023 | $10,829.00 | $1,268,100 Land $345,500 Building $922,600 | $1,268,100 Land $345,500 Building $922,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3280 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Jun 1995 · Severe Storms And Flooding |
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 risk around 3280 Ridge Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Brightspeed DSL | 60 / 5 |
4G LTE (outdoors only), no 5G reported
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