227 Jacoby Junction Dr, Louisa, VA 23093 Property Records

Louisa County property record for 227 Jacoby Junction Dr, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,928 sqft · built 2015
Lot Size	7.87 acres (342,817 sqft)
Owner	2 Individual Names on File
Last Sale	$319,900 (Aug 2020)
Tax Bill	$3,530 (2025)
Deeds & Mortgages	May 2017 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25 17 14`

Property Details

APN / Parcel Number

Primary APN	`25 17 14`
Alternative APNs	`29480` `28020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,928 sqft Living Area
1st Floor Area	1,928 sqft
Basement Area	1,928 sqft
Unfinished Basement	1,928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	342,817 sqft (7.87 acres)
Garage Area	400 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28020
Street Address	227 JACOBY JUNCTION DR
City	LOUISA
State	VA
Zip	23093-5042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	JACOBY JUNCTION PB 8/2420-2422 LOT 14 DB 1689/887 7.865AC
Legal Lot Number	14
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	1
Census Block	1017
Census Tract	950201

Owner

227 Jacoby Junction Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	227 JACOBY JUNCTION DR, LOUISA, VA 23093-5042
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
May 16, 2017	Deed of Trust, Mortgage · Line of Credit ESSEX BANK
Aug 10, 2020	Grant Deed, Transfer · Conventional with PMI AMERICAN FIN'L NTWK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2020 · Amount on File
Deed Sale	Aug 10, 2020 · Amount on File
Prior Sale	Sep 6, 2012 · Amount on File
Deed Document Number	20207134
Deed Book / Page	1689 / 887
Prior Transfer Date	Aug 28, 2012
Prior Transfer Doc	0000005474
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	227 JACOBY JUNCTION DR, LOUISA, VA 23093-5042
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1509/0220
Date	May 16, 2017
Book Page	1509/0220
Instrument	170004169

Lender

Name	ESSEX BANK
Type	Bank
Address	LOUISA, VA 23093

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 10, 2020
Property Address	227 JACOBY JUNCTION DR, LOUISA, VA 23093-5042
Document Number	0000007134
Book / Page	001689 / 000887
Instrument Date	Mar 14, 2020
Instrument	7134
Transaction Type	Transfer
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	227 JACOBY JUNCTION DR LOUISA VA 230935042, LOUISA, VA 23093-5042

Mortgage

Document Number	7135
Date	Aug 10, 2020
Book Page	001689/000891
Instrument	7135

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 227 Jacoby Junction Dr was $3,530, up 6.6% 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		$513,700 (+4.77%) Land $70,900 Building $442,800	$513,700 (+4.77%) Land $70,900 Building $442,800
2025	$3,530.00 (+6.65%)	$490,300 Land $61,500 Building $428,800	$490,300 Land $61,500 Building $428,800
2024	$3,310.00
2023		$435,100 Land $53,500 Building $381,600
2022	$341.00		$435,100 Land $53,500 Building $381,600

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

Flood

FEMA maps place 227 Jacoby Junction Dr 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 227 Jacoby Junction Dr is low, with 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 8 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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