731 Prospect Ave, Charlottesville, VA 22903 Property Records

Charlottesville City property record for 731 Prospect Ave, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1979
Lot Size	0.083 acres (3,615 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Jul 2022)
Tax Bill	$2,546 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240143000`

Property Details

APN / Parcel Number

Primary APN	`240143000`
Alternative APN	`46269`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,200 sqft Finished Area
1st Floor Area	600 sqft
2nd Floor Area	600 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Concrete
Lot Area	3,615 sqft (0.083 acres)
Porch	Slab
Porch Area	144 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Coal
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	731 PROSPECT AVE
City	CHARLOTTESVILLE
State	VA
Zip	22903-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RN-A
Legal Description	LOT 11L BK A ORANGEDALE
Legal Subdivision	ORANGEDALE
Legal Block	A
Legal Lot Number	11L
Jurisdiction	CHARLOTTESVILLE CITY VA
Township / Civil Division	CHARLOTTESVILLE
Census Block Group	3
Census Block	3000
Census Tract	501

Owner

Source: Charlottesville City records, as of July 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1301 CAISTOR LN, RALEIGH, NC 27614-7216
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	May 4, 2022 · Amount on Record
Deed Document Number	20222661
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	CHARLOTTESVILLE CITY VA
Recording Date	Jul 2, 2026
Property Address	731 PROSPECT AVE, CHARLOTTESVILLE, VA 22903-3903
Document Number	0000001816
Instrument Date	Jun 18, 2026
Instrument	20261816
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	FOX TITLE, RED FOX TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 PROSPECT AVE, CHARLOTTESVILLE, VA 22903-3903

Mortgage

Document Number	0000001817,
Date	Jul 2, 2026
Instrument	20261817

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Type Change Date	Jul 1, 2031
Index	1-Year CMT
Max Rate	-1%

Tax Assessment & Valuation

Source: Charlottesville City assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Charlottesville City
Unified School District	Charlottesville City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,546.00 (+24.13%)	$252,900 (+1.12%) Land $62,500 Building $190,400	$252,900 (+1.12%) Land $62,500 Building $190,400
2025		$250,100 (+32.26%) Land $60,000 Building $190,100	$250,100 (+32.26%) Land $60,000 Building $190,100
2023	$2,051.00 (+17.47%)	$189,100 Land $45,000 Building $144,100	$189,100 Land $45,000 Building $144,100
2022	$1,746.00

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF CHARLOTTESVILLE serves 46,553 people · EPA ID VA2540500
Water Source	Purchased surface water from RWSA URBAN SYSTEM
Last State Inspection	Jan 2025
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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 503 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Ting.

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