Albemarle County property record for 977 Kelsey Dr, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,739 sqft · built 2000 |
| Lot Size | 0.375 acres (16,335 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (May 2013) |
| Tax Bill | $5,982 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 076R0-05-00-01700 |
| Primary APN | 076R0-05-00-01700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,739 sqft Finished Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Roof Material | Other |
| Lot Area | 16,335 sqft (0.375 acres) |
| Garage Area | 504 sqft |
| Porch | Slab |
| Porch Area | 182 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 977 KELSEY DR |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22903-7855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PLANNED RE |
| Legal Description | REDFIELDS 17 PH 2B |
| Legal Subdivision | REDFIELDS |
| Jurisdiction | ALBEMARLE VA |
| Township / Civil Division | SAMUEL MILLER |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 11202 |
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 | 977 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 30, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2013 · Amount on Record |
| Deed Sale | May 20, 2013 · Amount on Record |
| Prior Sale | Jul 2, 2009 · Amount on Record |
| Deed Document Number | 20136934 |
| Deed Book / Page | 4351 / 634 |
| Prior Transfer Date | Jul 1, 2005 |
| Prior Transfer Doc | 3016/581 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 977 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2025 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202500008540 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 202500008540 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 21, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 977 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Document Number | 0000008735 |
| Instrument Date | Jul 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | CHARLOTTESVILLE SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 977 KELSEY DR CHARLOTTESVILLE VA 229037855, CHARLOTTESVILLE, VA 22903-7855 |
| Document Number | 0000008735 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 005080/000270 |
| Instrument | 8735 |
| Name | UNIVERSITY/VA CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 2, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,982.00 (+10.55%) | $669,100 (+10.54%) Land $190,000 Building $479,100 | $669,100 (+10.54%) Land $190,000 Building $479,100 |
| 2025 | $5,411.00 (+14.35%) | $605,300 (+9.22%) Land $170,000 Building $435,300 | $605,300 (+9.22%) Land $170,000 Building $435,300 |
| 2023 | $4,732.00 | $554,200 Land $162,500 Building $391,700 | $554,200 Land $162,500 Building $391,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 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 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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