Albemarle County property record for 984 Kelsey Dr, Charlottesville, VA 22903
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,159 sqft · built 1999 |
| Lot Size | 0.279 acres (12,153 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $376,000 (Jul 2009) |
| Tax Bill | $5,457 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 076R0-05-00-02500 |
| Primary APN | 076R0-05-00-02500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,159 sqft Finished Area |
| Basement Area | 1,121 sqft |
| Finished Basement | 703 sqft |
| Unfinished Basement | 418 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood |
| Lot Area | 12,153 sqft (0.279 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 87 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 984 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 25 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 | 984 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2009 · Amount on Record |
| Deed Sale | Jul 31, 2009 · Amount on Record |
| Deed Document Number | 200910758 |
| Deed Book / Page | 3778 / 726 |
| Last Transfer Date | Mar 20, 2015 |
| Transfer Doc | 201500002731 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 984 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 202300007023 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 202300007023 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBEMARLE VA |
| Property Address | 984 KELSEY DR, CHARLOTTESVILLE, VA 22903-7855 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | ACM TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 202100001168 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5465/157 |
| Instrument | 2021-00001168 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
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 | $5,457.00 (+10.69%) | $610,400 (+10.68%) Land $190,000 Building $420,400 | $610,400 (+10.68%) Land $190,000 Building $420,400 |
| 2025 | $4,930.00 (+15.19%) | $551,500 (+10.04%) Land $170,000 Building $381,500 | $551,500 (+10.04%) Land $170,000 Building $381,500 |
| 2023 | $4,280.00 | $501,200 Land $162,500 Building $338,700 | $501,200 Land $162,500 Building $338,700 |
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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