Louisa County property record for 148 Stephens Cir, Bumpass, VA 23024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,853 sqft · built 2023 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Aug 2021) |
| Tax Bill | $13,584 (2025) |
| Deeds & Mortgages | Jul 2026 Transfer May 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 46D 6 75 |
| Primary APN | 46D 6 75 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,853 sqft Living Area |
| 1st Floor Area | 2,974 sqft |
| Basement Area | 1,846 sqft |
| Finished Basement | 1,846 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 24052 |
|---|---|
| Street Address | 148 STEPHENS CIR |
| City | BUMPASS |
| State | VA |
| Zip | 23024-4966 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | BOTH WATERS ESTATES SEC VI PB 8/1302 LOT 75 DB 1784/552 1.365AC |
| Legal Subdivision | BOTH WATERS ESTATES |
| Legal Lot Number | 75 |
| Jurisdiction | LOUISA VA |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 950102 |
Source: Louisa County records, as of September 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 148 STEPHENS CIR, BUMPASS, VA 23024-4966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| May 23, 2022 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK NA |
| Aug 13, 2021 | Bargain and Sale Deed, Transfer · Line of Credit ESSEX BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2021 · Amount on Record |
| Deed Sale | Aug 13, 2021 · Amount on Record |
| Deed Document Number | 20219904 |
| Deed Book / Page | 1784 / 552 |
| Last Transfer Date | Jul 7, 2026 |
| Transfer Doc | 0000006472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LOUISA VA |
| Recording Date | Jul 13, 2026 |
| Property Address | 148 STEPHENS CIR, BUMPASS, VA 23024-4966 |
| Document Number | 0000006472 |
| Book / Page | 2099 / 254 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 20266472 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUISA VA |
| Property Address | 120 LAKE ANNA DR, BUMPASS, VA 23024-4956 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2023 |
| Title Company | CENTERVIEW TITLE GROUP, CENTERVIEW TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0001845/20 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 1845/20 |
| Instrument | 202200005347 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | LOUISA VA |
| Recording Date | Aug 13, 2021 |
| Property Address | 120 LAKE ANNA DR, BUMPASS, VA 23024-4956 |
| Document Number | 001784/552 |
| Book / Page | 1784 / 552 |
| Map Reference | MB 8 PG 1302 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 202100009904 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2023 |
| Title Company | DOMINION CAPITAL TITLE LLC, DOMINION CAPITAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 120 LAKE ANNA DR, BUMPASS, VA 23024-4956 |
| Document Number | 0001784558 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 1784/558 |
| Name | ESSEX BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Louisa County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Louisa County |
| Unified School District | Louisa County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,067,900 (+9.6%) Land $375,000 Building $1,692,900 | $2,067,900 (+9.6%) Land $375,000 Building $1,692,900 | |
| 2025 | $13,584.00 (+13.04%) | $1,886,800 (+500.89%) Land $375,000 Building $1,511,800 | $1,886,800 (+500.89%) Land $375,000 Building $1,511,800 |
| 2024 | $12,017.00 (+537.85%) | ||
| 2023 | $314,000 Land $309,000 Building $5,000 | ||
| 2022 | $1,884.00 | $314,000 Land $309,000 Building $5,000 |
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 September 18, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| iWiSP Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures