185 Smith Rd, Mineral, VA 23117 Property Records

Louisa County property record for 185 Smith Rd, Mineral, VA 23117

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1972
Lot Size	2.12 acres (92,347 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (May 2026)
Tax Bill	$1,354 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28 35`

Property Details

APN / Parcel Number

Primary APN	`28 35`
Alternative APNs	`2297` `2229`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	92,347 sqft (2.12 acres)

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	252 sqft
Shed	1 Shed
Shed Area	80 sqft
Lean-To	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2229
Street Address	185 SMITH RD
City	MINERAL
State	VA
Zip	23117-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	CONTRARY CREEK & BAGBY DB 1548/136 2.12 AC
Legal Subdivision	CONTRARY CREEK
Legal Lot Number	5
Jurisdiction	LOUISA VA
Township / Civil Division	MINERAL
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

185 Smith Rd is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	185 SMITH RD, MINERAL, VA 23117-5114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 29, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage WL PROPERTIES LLC
Jun 11, 2019	Deed of Trust, Mortgage · Conventional with PMI ESSEX BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Jan 30, 2018 · Amount on File
Deed Document Number	20265090
Deed Book / Page	2090 / 701
Prior Transfer Date	Jan 26, 2018
Prior Transfer Doc	0000000764
Record Updated	Oct 29, 2026

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	May 29, 2026
Property Address	185 SMITH RD, MINERAL, VA 23117-5114
Document Number	0000005090
Book / Page	2090 / 701
Instrument Date	May 18, 2026
Instrument	20265090
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,755.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	185 SMITH RD, MINERAL, VA 23117-5114

Mortgage

Document Number	0000005092,
Date	May 29, 2026
Instrument	20265092

Lender

Name	WL PROPERTIES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	49 Months
Due	Jun 1, 2030

Interest

Rate	5%
Max Rate	-1%

Mortgage

Document Number	0000005091,
Date	May 29, 2026
Book Page	2090/704
Instrument	20265091

Lender

Name	SHARON INVS

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	5 Months
Due	May 15, 2031

Interest

Rate	6.3%
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	185 SMITH RD, MINERAL, VA 23117-5114
Document Number	0000004775
Instrument Date	Jun 11, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	202 W MAIN ST LOUISA VA 230939450, LOUISA, VA 23093-9450

Mortgage

Document Number	0000004775
Date	Jun 12, 2019
Book Page	001616/000578
Instrument	4775

Lender

Name	ESSEX BK
Type	Bank
Address	LOUISA, VA 23093

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 185 Smith Rd was $1,354, 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		$199,600 (+6.11%) Land $50,500 Building $149,100	$199,600 (+6.11%) Land $50,500 Building $149,100
2025	$1,354.00 (+8.84%)	$188,100 Land $41,300 Building $146,800	$188,100 Land $41,300 Building $146,800
2024	$1,244.00
2023		$159,300 Land $33,200 Building $126,100
2022	$617.00		$159,300 Land $33,200 Building $126,100

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

Flood

FEMA maps place 185 Smith 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 185 Smith 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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