85 Apple Ln, Charlottesville, VA 22903 Property Records

Albemarle County property record for 85 Apple Ln, Charlottesville, VA 22903

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,648 sqft · built 1991
Lot Size	0.973 acres (42,384 sqft)
Owner	Individual Name on File
Last Sale	$367,500 (Jul 2009)
Tax Bill	$6,096 (2026)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073A0-04-00-01400`

Property Details

APN / Parcel Number

Primary APN	`073A0-04-00-01400`
Alternative APN	`29679`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,648 sqft Finished Area
Family Room	Family Room
Flooring	Ceramic Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	42,384 sqft (0.973 acres)
Garage Area	645 sqft
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	368 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	85 APPLE LN
City	CHARLOTTESVILLE
State	VA
Zip	22903-9764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	PEACOCK HILL 5 14, PH A
Legal Subdivision	PEACOCK HILL
Jurisdiction	ALBEMARLE VA
Township / Civil Division	SAMUEL MILLER
Census Block Group	4
Census Block	4021
Census Tract	11000

Owner

85 Apple Ln is owned and occupied by an individual who bought it in July 2009.

Source: Albemarle County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	85 APPLE LN, CHARLOTTESVILLE, VA 22903-9764
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2009 · Amount on File
Deed Sale	Jul 9, 2009 · Amount on File
Deed Document Number	20099395
Deed Book / Page	3766 / 532
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBEMARLE VA
Property Address	85 APPLE LN, CHARLOTTESVILLE, VA 22903-9764
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5565/642
Date	Jun 29, 2021
Book Page	5565/642
Instrument	2021-00011353

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	268 Months
Due	Oct 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 85 Apple Ln was $6,096, up 14.5% 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	$6,096.00 (+14.48%)	$681,900 Land $152,000 Building $529,900	$681,900 Land $152,000 Building $529,900
2025	$5,325.00
2023	$4,778.00	$559,500 Land $145,000 Building $414,500	$559,500 Land $145,000 Building $414,500

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

Flood

FEMA maps place 85 Apple Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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	4 (2010–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2018 · 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 85 Apple Ln is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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	PEACOCK HILL SUBDIVISION private · serves 475 people · EPA ID VA2003650
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20