Charlottesville City property record for 978 Locust Ave, Charlottesville, VA 22901
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,062 sqft · built 1925 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,000 (Nov 1993) |
| Tax Bill | $14,108 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 480094000 |
| Primary APN | 480094000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,062 sqft Finished Area |
| 1st Floor Area | 2,073 sqft |
| 2nd Floor Area | 1,989 sqft |
| Basement Area | 2,073 sqft |
| Unfinished Basement | 1,668 sqft |
| Family Room | Family Room |
| Flooring | Hardwood |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 15,987 sqft (0.367 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 253 sqft |
| Patio Area | 225 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Coal |
| Street Address | 978 LOCUST AVE |
|---|---|
| City | CHARLOTTESVILLE |
| State | VA |
| Zip | 22901-4053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-C |
| Legal Description | LOT 5B-2 & PAR A LOCUST GROVE |
| Legal Subdivision | LOCUST GROVE |
| Legal Lot Number | 5B-2 |
| Jurisdiction | CHARLOTTESVILLE CITY VA |
| Township / Civil Division | CHARLOTTESVILLE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 900 |
978 Locust Ave is owned and occupied by an individual who acquired it in February 2025.
Source: Charlottesville City records, as of July 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 978 LOCUST AVE, CHARLOTTESVILLE, VA 22901-4053 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 1993 · Amount on File |
| Deed Sale | Nov 16, 1993 · Amount on File |
| Prior Sale | Apr 15, 1993 · Amount on File |
| Last Transfer Date | Feb 5, 2025 |
| Transfer Doc | 0000000327 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 978 Locust Ave was $14,108.
Source: Charlottesville City assessment roll, as of July 9, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Charlottesville City |
| Unified School District | Charlottesville City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,108.00 | $1,412,000 (+2.82%) Land $326,700 Building $1,085,300 | $1,412,000 (+2.82%) Land $326,700 Building $1,085,300 |
| 2025 | $1,373,300 Land $326,700 Building $1,046,600 | $1,373,300 Land $326,700 Building $1,046,600 | |
| 2023 | $12,032.00 (+28.18%) | $1,189,300 Land $284,600 Building $904,700 | $1,189,300 Land $284,600 Building $904,700 |
| 2022 | $9,387.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 978 Locust Ave in Zone X, an area of minimal flood risk.
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 | 7 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 risk around 978 Locust Ave is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 357 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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