181 Whispering Pine Ln, Bumpass, VA 23024 Property Records

Louisa County property record for 181 Whispering Pine Ln, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1999
Lot Size	1.96 acres (85,378 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (May 2023)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`93A 1 A 4`

Property Details

APN / Parcel Number

Primary APN	`93A 1 A 4`
Alternative APNs	`17720` `17114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	85,378 sqft (1.96 acres)
Porch	Slab
Porch Area	220 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17114
Street Address	181 WHISPERING PINE LN
City	BUMPASS
State	VA
Zip	23024-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	BLOCK A LOT 4 DB 1975/191 1.96 AC
Legal Subdivision	WILLOW BROOK ESTATES
Legal Block	A
Legal Lot Number	4
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3029
Census Tract	950500

Owner

181 Whispering Pine Ln is owned and occupied by two individuals who acquired it in August 2024.

Source: Louisa County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
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
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Oct 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 5, 2023	Deed, Transfer · Stand-Alone First Mortgage FULTON BANK NA
Aug 5, 2019	Grant Deed, Transfer · FHA Mortgage JG WENTWORTH HM LNDG
Mar 19, 2018	Grant Deed, Transfer ATTORNEY ONLY
Jun 30, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2023 · Amount on File
Deed Sale	May 5, 2023 · Amount on File
Prior Sale	Aug 5, 2019 · Amount on File
Deed Document Number	20233884
Deed Book / Page	1897 / 611
Last Transfer Date	Aug 22, 2024
Transfer Doc	001975/191
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Recording Date	Sep 9, 2026
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Document Number	0000008461
Book / Page	2110 / 486
Instrument Date	Aug 14, 2026
Instrument	20268461
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825

Mortgage

Document Number	0000008461,
Date	Sep 9, 2026
Book Page	2110/486
Instrument	20268461

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001799/504
Date	Oct 19, 2021
Book Page	1799/504
Instrument	202100012376

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 1, 2049

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	May 5, 2023
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Document Number	001897/611
Book / Page	1897 / 611
Map Reference	MB 4 PG 195
Instrument Date	Apr 24, 2023
Instrument	202300003884
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825

Mortgage

Document Number	0001897616
Date	May 5, 2023
Instrument	1897/616

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 5, 2019
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Document Number	0000006590
Book / Page	001625 / 000348
Instrument Date	Jul 22, 2019
Instrument	6590
Transaction Type	Transfer
Record Updated	Sep 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 WHISPERING PINE LN BUMPASS VA 230242825, BUMPASS, VA 23024-2825

Mortgage

Document Number	6591
Date	Aug 5, 2019
Book Page	001625/000352
Instrument	6591

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Mar 19, 2018
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Document Number	0000002719
Book / Page	001553 / 000810
Instrument Date	Mar 1, 2018
Instrument	2719
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17601 RIVER RD CHESTERFIELD VA 238381241, CHESTERFIELD, VA 23838-1241

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 30, 2017
Property Address	181 WHISPERING PINE LN, BUMPASS, VA 23024-2825
Document Number	0000005599
Book / Page	001516 / 000572
Instrument Date	Jun 27, 2017
Instrument	5599
Transaction Type	Foreclosure
Record Updated	Aug 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$94.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2025 property tax bill for 181 Whispering Pine Ln was $2,097, up 7.7% 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		$307,800 (+5.66%) Land $59,400 Building $248,400	$307,800 (+5.66%) Land $59,400 Building $248,400
2025	$2,097.00 (+7.7%)	$291,300 Land $48,200 Building $243,100	$291,300 Land $48,200 Building $243,100
2024	$1,947.00
2023		$246,800 Land $38,400 Building $208,400
2022	$886.00		$246,800 Land $38,400 Building $208,400

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

Flood

FEMA maps place 181 Whispering Pine Ln 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 181 Whispering Pine Ln 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

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