110 Locust Dr, Louisa, VA 23093 Property Records

Louisa County property record for 110 Locust Dr, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,824 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13A5 5 572`

Property Details

APN / Parcel Number

Primary APN	`13A5 5 572`
Alternative APNs	`12041` `11665`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Basement Area	1,824 sqft
Unfinished Basement	1,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	152 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11665
Street Address	110 LOCUST DR
City	LOUISA
State	VA
Zip	23093-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 572, 573, 574 DB 755/607
Legal Subdivision	BLUE RDG SHORES
Legal Lot Number	572-574
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2024
Census Tract	950303

Owner

110 Locust Dr is owned and occupied by an individual.

Source: Louisa County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	110 LOCUST DR, LOUISA, VA 23093-5760
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

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Recording Date	Jul 17, 2026
Property Address	110 LOCUST DR, LOUISA, VA 23093-5760
Document Number	0000006645
Book / Page	2100 / 236
Instrument Date	Jul 15, 2026
Instrument	20266645
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 LOCUST DR, LOUISA, VA 23093-5760

Mortgage

Document Number	0000006645,
Date	Jul 17, 2026
Book Page	2100/236
Instrument	20266645

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	110 LOCUST DR, LOUISA, VA 23093-5760
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	PARTNERS ESCROW AND TITLE, PARTNERS ESCROW AND TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001839/299
Date	Apr 26, 2022
Book Page	1839/299
Instrument	202200004286

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 110 Locust Dr was $2,877, up 6.6% from the year before.

Source: Louisa County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Louisa County
Unified School District	Louisa County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$412,620 (+3.23%) Land $26,100 Building $386,520	$412,620 (+3.23%) Land $26,100 Building $386,520
2025	$2,877.00 (+6.6%)	$399,700 Land $20,900 Building $378,800	$399,700 Land $20,900 Building $378,800
2024	$2,699.00
2023		$361,700 Land $18,000 Building $343,700
2022	$1,293.00		$361,700 Land $18,000 Building $343,700

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

Flood

FEMA maps place 110 Locust Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 110 Locust Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLUE RIDGE SHORES private · serves 1,707 people · EPA ID VA2109075
Water Source	Groundwater
Last State Inspection	Feb 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	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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Locust Dr

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