209 Smitty Cir, Bumpass, VA 23024 Property Records

Louisa County property record for 209 Smitty Cir, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,258 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2017)
Tax Bill	$10,751 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46G1 1 100`

Property Details

APN / Parcel Number

Primary APN	`46G1 1 100`
Alternative APNs	`21670` `20425`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,258 sqft Living Area
1st Floor Area	2,258 sqft
Basement Area	2,258 sqft
Finished Basement	1,630 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	976 sqft
Deck Area	480 sqft
Boat House	Boat House

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20425
Street Address	209 SMITTY CIR
City	BUMPASS
State	VA
Zip	23024-4864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CUCKOO'S NEST SECTION 2 LOT 100 .925 AC DB 1528/507
Legal Subdivision	CUCKOO'S NEST
Legal Lot Number	100
Jurisdiction	LOUISA VA
Township / Civil Division	CUCKOO
Census Block Group	2
Census Block	2010
Census Tract	950101

Owner

209 Smitty Cir is owned by two individuals who bought it in September 2017.

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 File
Mailing Address	116 LAKEWOOD DR, SYKESVILLE, MD 21784-8553
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 10, 2018	Deed of Trust, Mortgage FULTON BK NA
Sep 21, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2017 · Amount on File
Deed Sale	Sep 21, 2017 · Amount on File
Deed Document Number	20178049
Deed Book / Page	1528 / 507
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	209 SMITTY CIR, BUMPASS, VA 23024-4864
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1751/925
Date	Apr 8, 2021
Book Page	1751/925
Instrument	202100004132

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	209 SMITTY CIR, BUMPASS, VA 23024-4864
Document Number	0000007561
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SMITTY CIR BUMPASS VA 23024, BUMPASS, VA 23024

Mortgage

Document Number	0000007561
Date	Aug 10, 2018
Book Page	001575/000903
Instrument	7561

Lender

Name	FULTON BK NA
Address	LANCASTER, PA 17602

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 21, 2017
Property Address	209 SMITTY CIR, BUMPASS, VA 23024-4864
Document Number	0000008049
Book / Page	001528 / 000507
Instrument Date	Sep 19, 2017
Instrument	8049
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Transaction

Amount	Amount on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	116 LAKEWOOD DR SYKESVILLE MD 217848553, SYKESVILLE, MD 21784-8553

Tax Assessment & Valuation

The 2025 property tax bill for 209 Smitty Cir was $10,751, up 12.2% 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		$1,633,216 (+9.37%) Land $375,000 Building $1,258,216	$1,633,216 (+9.37%) Land $375,000 Building $1,258,216
2025	$10,751.00 (+12.21%)	$1,493,300 Land $375,000 Building $1,118,300	$1,493,300 Land $375,000 Building $1,118,300
2024	$9,581.00
2023		$1,220,200 Land $309,000 Building $911,200
2022	$1,754.00		$1,220,200 Land $309,000 Building $911,200

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

Flood

FEMA maps place 209 Smitty Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 209 Smitty Cir is low, with less than a 0.01% annual chance of wildfire.

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	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 61 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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