237 Desper Rd, Louisa, VA 23093 Property Records

Louisa County property record for 237 Desper Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 2022
Lot Size	56.9 acres (2,479,871 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,000 (Jun 2007)
Tax Bill	$7,521 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`40 42`

Property Details

APN / Parcel Number

Primary APN	`40 42`
Alternative APNs	`5364` `5210`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	2,744 sqft
Basement Area	2,744 sqft
Unfinished Basement	2,744 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,479,871 sqft (56.9 acres)
Garage Area	1,176 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5210
Street Address	237 DESPER RD
City	LOUISA
State	VA
Zip	23093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	WHITES CREEK PLAT 1558/249 DB 1076/728 56.926 AC
Legal Subdivision	WHITES CREEK
Jurisdiction	LOUISA VA
Township / Civil Division	PATRICK HENRY
Census Block Group	2
Census Block	2008
Census Tract	950201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 507, LOUISA, VA 23093-0507
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2007 · Amount on Record
Deed Sale	Jun 6, 2007 · Amount on Record
Deed Document Number	20075386
Deed Book / Page	1076 / 728
Prior Transfer Date	May 22, 2007
Prior Transfer Doc	01076/0731
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Recording Date	Apr 6, 2026
Property Address	237 DESPER RD, LOUISA, VA 23093
Document Number	0000003246
Book / Page	2076 / 878
Instrument Date	Mar 27, 2026
Instrument	20263246
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TERRY TITLE, TERRYS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003246,
Date	Apr 6, 2026
Book Page	2076/878
Instrument	20263246

Lender

Name	UNITED BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate	5.98%
Max Rate	-1%

Tax Assessment & Valuation

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		$1,095,142 (+4.83%) Land $185,200 Building $909,942	$1,095,142 (+4.83%) Land $185,200 Building $909,942
2025	$7,521.00 (+9.67%)	$1,044,700 (+16.99%) Land $164,600 Building $880,100	$1,044,700 (+16.99%) Land $164,600 Building $880,100
2024	$6,858.00 (+724.28%)
2023		$893,000 Land $130,000 Building $763,000
2022	$832.00		$893,000 Land $130,000 Building $763,000

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	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 2 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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