29 Charles Ln, Louisa, VA 23093 Property Records

Louisa County property record for 29 Charles Ln, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1920
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Sep 2023)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`56 17`

Property Details

APN / Parcel Number

Primary APN	`56 17`
Alternative APNs	`12282` `11897`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	1,370 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	112 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11897
Street Address	29 CHARLES LN
City	LOUISA
State	VA
Zip	23093-3426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	HARRIS CREEK DB 1940/382 1.90 AC
Legal Subdivision	HARRIS CREEK
Jurisdiction	LOUISA VA
Township / Civil Division	PATRICK HENRY
Census Block Group	2
Census Block	2021
Census Tract	950201

Owner

29 Charles Ln is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 CHARLES LN, LOUISA, VA 23093-3426
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
Feb 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WATERSTONE MORTGAGE CORP
Feb 16, 2024	Bargain and Sale Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Sep 22, 2023	Bargain and Sale Deed, Transfer · Stand-Alone First Mortgage PATRICIA FALES ETAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	Feb 22, 2012 · Amount on File
Deed Document Number	20238580
Deed Book / Page	1919 / 591
Prior Transfer Date	Jan 26, 2012
Prior Transfer Doc	0000001300
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	29 CHARLES LN, LOUISA, VA 23093-3426
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001940/401
Date	Feb 16, 2024
Book Page	1940/401
Instrument	202400001361

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

February 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 16, 2024
Property Address	29 CHARLES LN, LOUISA, VA 23093-3426
Document Number	001940/382
Book / Page	1940 / 382
Map Reference	MB 171 PG 135
Instrument Date	Feb 12, 2024
Instrument	202400001359
Transaction Type	Transfer
Record Updated	Mar 25, 2024
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	29 CHARLES LN, LOUISA, VA 23093-3426

Mortgage

Document Number	001940/386
Date	Feb 16, 2024
Book Page	1940/386
Instrument	202400001360

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

September 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 22, 2023
Property Address	29 CHARLES LN, LOUISA, VA 23093-3426
Document Number	001919/591
Book / Page	1919 / 591
Map Reference	MB 171 PG 135
Instrument Date	Sep 11, 2023
Instrument	202300008580
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5300 HICKORY PARK DR STE 101, 101, GLEN ALLEN, VA 23059-2629

Mortgage

Document Number	001920/441
Date	Sep 28, 2023
Book Page	1920/441
Instrument	202300008744

Lender

Name	PATRICIA FALES ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 29 Charles Ln was $1,972, up 32.6% 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		$288,600 (+5.33%) Land $55,200 Building $233,400	$288,600 (+5.33%) Land $55,200 Building $233,400
2025	$1,972.00 (+32.62%)	$274,000 Land $44,800 Building $229,200	$274,000 Land $44,800 Building $229,200
2024	$1,487.00
2023		$151,000 Land $35,700 Building $115,300
2022	$597.00		$151,000 Land $35,700 Building $115,300

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

Flood

FEMA maps place 29 Charles Ln 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 29 Charles Ln is low, with a 0.02% 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	0.02% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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