Louisa County property record for 196 Gardners Rd, Mineral, VA 23117
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,838 (2025) |
| Deeds & Mortgages | May 2021 Transfer Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 90 67 |
| Primary APN | 90 67 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| 1st Floor Area | 1,792 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 130,680 sqft (3 acres) |
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 324 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 4223 |
|---|---|
| Street Address | 196 GARDNERS RD |
| City | MINERAL |
| State | VA |
| Zip | 23117-2920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Description | WALTON & CLOUGH PLAT BOOK 1762/226 SEQ 6 DB 196/520 3.00 AC |
| Jurisdiction | LOUISA VA |
| Township / Civil Division | MOUNTAIN ROAD |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 950102 |
196 Gardners Rd is owned and occupied by two individuals who acquired it in April 2021.
Source: Louisa County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 GARDNERS RD, MINERAL, VA 23117-2920 |
| 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.
| Date | Document |
|---|---|
| May 20, 2021 | Gift Deed, Transfer |
| Feb 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 6, 2021 |
| Transfer Doc | 1762/226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | LOUISA VA |
| Recording Date | May 20, 2021 |
| Property Address | 196 GARDNERS RD, MINERAL, VA 23117-2920 |
| Document Number | 1762/226 |
| Book / Page | 1762 / 226 |
| Instrument Date | Apr 6, 2021 |
| Instrument | 202100005988 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 196 GARDNERS RD, MINERAL, VA 23117-2920 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUISA VA |
| Property Address | 196 GARDNERS RD, MINERAL, VA 23117-2920 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2100001316 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 1735/202 |
| Instrument | 202100001316 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jan 1, 2036 |
The 2025 property tax bill for 196 Gardners Rd was $1,838, up 1% from the year before.
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 | $269,100 (+5.36%) Land $60,700 Building $208,400 | $269,100 (+5.36%) Land $60,700 Building $208,400 | |
| 2025 | $1,838.00 (+9.99%) | $255,400 Land $50,300 Building $205,100 | $255,400 Land $50,300 Building $205,100 |
| 2024 | $1,671.00 | ||
| 2023 | $218,700 Land $41,200 Building $177,500 | ||
| 2022 | $911.00 | $218,700 Land $41,200 Building $177,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Gardners 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 risk around 196 Gardners Rd is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
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