209 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 209 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,024 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$292,000 (Feb 2022)
Tax Bill	$163 (2022)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40G 1 4`

Property Details

APN / Parcel Number

Primary APN	`40G 1 4`
Alternative APNs	`28167` `26707`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,024 sqft Living Area
1st Floor Area	1,152 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	280 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	26707
Street Address	209 CARDINAL RD
City	LOUISA
State	VA
Zip	23093-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Description	COUNTRYSIDE PHASE 1A PB 8/2093-2098 LOT 4 DB 1826/307 .189 AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1A
Legal Lot Number	4
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2001
Census Tract	950201

Owner

Source: Louisa County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	209 CARDINAL RD, LOUISA, VA 23093-4937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Bargain and Sale Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 2, 2020	Grant Deed, Transfer · FHA Mortgage NFM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	20221790
Deed Book / Page	1826 / 307
Record Updated	Sep 20, 2026

February 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 15, 2022
Property Address	209 CARDINAL RD, LOUISA, VA 23093-4937
Document Number	001826/307
Book / Page	1826 / 307
Map Reference	MB 8 PG 2354-2359
Instrument Date	Feb 11, 2022
Instrument	202200001790
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 CARDINAL RD, LOUISA, VA 23093-4937

Mortgage

Document Number	0001826311
Date	Feb 15, 2022
Instrument	1826/311

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 2, 2020
Property Address	209 CARDINAL RD, LOUISA, VA 23093-4937
Document Number	0000006019
Book / Page	001683 / 000001
Instrument Date	Jun 22, 2020
Instrument	6019
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 CARDINAL RD LOUISA VA 23093, LOUISA, VA 23093

Mortgage

Document Number	6020
Date	Jul 2, 2020
Book Page	001683/000005
Instrument	6020

Lender

Name	NFM
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Mortgage

Document Number	6021,
Date	Jul 2, 2020
Book Page	001683/000021
Instrument	6021

Lender

Name	NFM
Address	LINTHICUM, MD 21090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Louisa County
Municipality	Louisa Town
Unified School District	Louisa County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,500 (+4.63%) Land $39,000 Building $313,500	$352,500 (+4.63%) Land $39,000 Building $313,500
2025		$336,900 (+14.71%) Land $31,000 Building $305,900	$336,900 (+14.71%) Land $31,000 Building $305,900
2023		$293,700 Land $24,000 Building $269,700
2022	$163.00		$293,700 Land $24,000 Building $269,700

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

Flood

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

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF LOUISA serves 1,555 people · EPA ID VA2109450
Water Source	Purchased surface water from LOUISA COUNTY WATER AUTHORITY
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator.

Water Quality	Haloacetic acids resolved · Jan 2026 Total trihalomethanes resolved · Jul 2017
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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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