Louisa County property record for 2946 Three Chopt Rd, Gum Spring, VA 23065
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1990 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,502 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 100 58 |
| Primary APN | 100 58 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| 1st Floor Area | 1,780 sqft |
| Basement Area | 1,780 sqft |
| Unfinished Basement | 1,780 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 180 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 18585 |
|---|---|
| Street Address | 2946 THREE CHOPT RD |
| City | GUM SPRING |
| State | VA |
| Zip | 23065-2176 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Description | OWEN CREEK & DABNEY DB 352/656 2.00 AC |
| Legal Subdivision | OWEN CREEK |
| Jurisdiction | LOUISA VA |
| Township / Civil Division | MOUNTAIN ROAD |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 950500 |
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 Record |
|---|---|
| Mailing Address | 2946 THREE CHOPT RD, GUM SPRING, VA 23065-2176 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOUISA VA |
| Property Address | 2946 THREE CHOPT RD, GUM SPRING, VA 23065-2176 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|
| Document Number | 001782/745 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 1782/745 |
| Instrument | 202100009561 |
| Name | GUARANTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NASHVILLE, TN 37210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
Source: Louisa County assessment roll, as of September 24, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Louisa County |
| Unified School District | Louisa County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,300 (+5.99%) Land $59,600 Building $308,700 | $368,300 (+5.99%) Land $59,600 Building $308,700 | |
| 2025 | $2,502.00 (+9.21%) | $347,500 (+17.92%) Land $48,400 Building $299,100 | $347,500 (+17.92%) Land $48,400 Building $299,100 |
| 2024 | $2,291.00 (+87.94%) | ||
| 2023 | $294,700 Land $38,600 Building $256,100 | ||
| 2022 | $1,219.00 | $294,700 Land $38,600 Building $256,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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