131 Locust Dr, Louisa, VA 23093 Property Records

Louisa County property record for 131 Locust Dr, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	Trust Name on File
Last Sale	$315,000 (Jul 2023)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13A5 5 534`

Property Details

APN / Parcel Number

Primary APN	`13A5 5 534`
Alternative APNs	`9995` `9678`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9678
Street Address	131 LOCUST DR
City	LOUISA
State	VA
Zip	23093-5760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	BLUE RIDGE SHORES SUBD PB 8/2180 LOT 534 DB 1906/697 .312 AC
Legal Subdivision	BLUE RIDGE SHORES SUBD
Legal Lot Number	534
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2033
Census Tract	950303

Owner

131 Locust Dr is owner-occupied and held in a trust since July 2023.

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

Owner of Record	Trust Name on File
Mailing Address	131 LOCUST DR, LOUISA, VA 23093-5760
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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 5, 2023	Gift Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Jul 5, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Feb 22, 2018	Grant Deed, Transfer · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on File
Deed Sale	Jul 5, 2023 · Amount on File
Prior Sale	Feb 22, 2018 · Amount on File
Deed Document Number	20235814
Deed Book / Page	1906 / 667
Prior Transfer Date	Jun 27, 2023
Prior Transfer Doc	001906/697
Record Updated	Oct 29, 2026

July 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 5, 2023
Property Address	131 LOCUST DR, LOUISA, VA 23093-5760
Document Number	001906/697
Book / Page	1906 / 697
Map Reference	MB 8 PG 2180
Instrument Date	Jun 27, 2023
Instrument	202300005816
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	131 LOCUST DR, LOUISA, VA 23093-5760

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 5, 2023
Property Address	131 LOCUST DR, LOUISA, VA 23093-5760
Document Number	001906/667
Book / Page	1906 / 667
Map Reference	MB 8 PG 2180
Instrument Date	Jun 1, 2023
Instrument	202300005814
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	NOT AVAILABLE, LOUISA TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 LOCUST DR, LOUISA, VA 23093-5760

Mortgage

Document Number	0001906671
Date	Jul 5, 2023
Instrument	1906/671

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	131 LOCUST DR, LOUISA, VA 23093-5760
Document Number	0000009641
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 LOCUST DR LOUISA VA 230935760, LOUISA, VA 23093-5760

Mortgage

Document Number	0000009641
Date	Oct 31, 2019
Book Page	001640/000358
Instrument	9641

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 22, 2018
Property Address	131 LOCUST DR, LOUISA, VA 23093-5760
Document Number	0000001653
Book / Page	001550 / 000641
Instrument Date	Feb 21, 2018
Instrument	1653
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 LOCUST DR LOUISA VA 230935760, LOUISA, VA 23093-5760

Mortgage

Document Number	1654
Date	Feb 22, 2018
Book Page	001550/000646
Instrument	1654

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 131 Locust Dr was $2,462, up 6.3% 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		$354,724 (+3.72%) Land $21,800 Building $332,924	$354,724 (+3.72%) Land $21,800 Building $332,924
2025	$2,462.00 (+6.3%)	$342,000 Land $17,400 Building $324,600	$342,000 Land $17,400 Building $324,600
2024	$2,316.00
2023		$306,100 Land $15,000 Building $291,100
2022	$1,071.00		$306,100 Land $15,000 Building $291,100

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

Flood

FEMA maps place 131 Locust Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 131 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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