123 Jacoby Rd, Louisa, VA 23093 Property Records

Louisa County property record for 123 Jacoby Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 2004
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2026)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	Jan 2025 Second Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24 100`

Property Details

APN / Parcel Number

Primary APN	`24 100`
Alternative APNs	`754` `730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,232 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	65,340 sqft (1.5 acres)

Exterior Amenities

Porch	Slab
Porch Area	68 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	730
Street Address	123 JACOBY RD
City	LOUISA
State	VA
Zip	23093-5012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	RT 693 DB 1977/774 1.50 AC
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	1
Census Block	1009
Census Tract	950201

Owner

123 Jacoby Rd is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	123 JACOBY RD, LOUISA, VA 23093-5012
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
Jan 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CU INC
Jun 5, 2026	Deed, Transfer · FHA Mortgage US HOME MORTGAGE
Jun 5, 2026	Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Aug 27, 2021	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Aug 27, 2021 · Amount on File
Deed Document Number	20265323
Deed Book / Page	2092 / 315
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	123 JACOBY RD, LOUISA, VA 23093-5012
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001996/663
Date	Jan 30, 2025
Book Page	1996/663
Instrument	202500000808

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 28, 2040

Interest

Rate Type	Adjustable Rate
Rate	10%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 5, 2026
Property Address	123 JACOBY RD, LOUISA, VA 23093-5012
Document Number	0000005323
Book / Page	2092 / 315
Instrument Date	Jun 1, 2026
Instrument	20265323
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 JACOBY RD, LOUISA, VA 23093-5012

Mortgage

Document Number	0000005324,
Date	Jun 5, 2026
Instrument	20265324

Lender

Name	US HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 5, 2026
Property Address	123 JACOBY RD, LOUISA, VA 23093-5012
Document Number	002092/315
Book / Page	2092 / 315
Instrument Date	Jun 1, 2026
Instrument	20265323
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 JACOBY RD, LOUISA, VA 23093-5012

Mortgage

Document Number	0000005324,
Date	Jun 5, 2026
Instrument	20265324

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 27, 2021
Property Address	123 JACOBY RD, LOUISA, VA 23093-5012
Document Number	1787/850
Book / Page	1787 / 850
Map Reference	MB 292 PG 258
Instrument Date	Aug 19, 2021
Instrument	202100010518
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	123 JACOBY RD, LOUISA, VA 23093-5012

Mortgage

Document Number	1787853
Date	Aug 27, 2021
Instrument	1787/853

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 123 Jacoby Rd was $2,236, up 8.8% 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		$325,568 (+4.82%) Land $49,300 Building $276,268	$325,568 (+4.82%) Land $49,300 Building $276,268
2025	$2,236.00 (+8.75%)	$310,600 Land $39,700 Building $270,900	$310,600 Land $39,700 Building $270,900
2024	$2,056.00
2023		$262,300 Land $31,300 Building $231,000
2022	$901.00		$262,300 Land $31,300 Building $231,000

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

Flood

FEMA maps place 123 Jacoby Rd 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 123 Jacoby Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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: Firefly Fiber Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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