2950 Three Chopt Rd, Gum Spring, VA 23065 Property Records

Louisa County property record for 2950 Three Chopt Rd, Gum Spring, VA 23065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2018
Lot Size	4.81 acres (209,524 sqft)
Owner	Individual Name on Record
Last Sale	$253,500 (Jun 2020)
Tax Bill	$2,957 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`100A 1 8`

Property Details

APN / Parcel Number

Primary APN	`100A 1 8`
Alternative APNs	`11560` `11195`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	209,524 sqft (4.81 acres)
Garage Area	960 sqft

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	140 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11195
Street Address	2950 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	3 CHOP RD & WILTSHIRE LOT 8 DB 1680/148 4.81AC
Legal Subdivision	PLAN OF GUM SPRING MANOR
Legal Lot Number	8
Jurisdiction	LOUISA VA
Township / Civil Division	MOUNTAIN ROAD
Census Block Group	2
Census Block	2060
Census Tract	950500

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	Individual Name on Record
Mailing Address	2950 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jun 22, 2020	Grant Deed, Transfer · Conventional Mortgage ATLANTIC UNION BK
Nov 21, 2017	Trustee's Deed, Construction Loan · Construction Mortgage VIRGINIA CMNWLT BK
Jan 18, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2020 · Amount on Record
Deed Sale	Jun 22, 2020 · Amount on Record
Deed Document Number	20205544
Deed Book / Page	1680 / 148
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	0000007471
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	2950 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000005546
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2950 THREE CHOPT RD GUM SPRING VA 230652176, GUM SPRING, VA 23065-2176

Mortgage

Document Number	0000005546
Date	Jun 22, 2020
Book Page	001680/000165
Instrument	5546

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 22, 2020
Property Address	2950 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000005544
Book / Page	001680 / 000148
Instrument Date	Jun 15, 2020
Instrument	5544
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2950 THREE CHOPT RD GUM SPRING VA 230652176, GUM SPRING, VA 23065-2176

Mortgage

Document Number	5545
Date	Jun 22, 2020
Book Page	001680/000152
Instrument	5545

Lender

Name	ATLANTIC UNION BK
Address	RESTON, VA 20191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOUISA VA
Recording Date	Nov 21, 2017
Property Address	2950 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Book / Page	001539 / 000172
Instrument Date	Nov 20, 2017
Instrument	9865
Transaction Type	Construction Loan
Record Updated	Dec 12, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1664 ANDERSON HWY #F POWHATAN VA 231398056, F, POWHATAN, VA 23139-8056

Mortgage

Document Number	0000009865
Date	Nov 21, 2017
Book Page	001539/000172
Instrument	9865

Lender

Name	VIRGINIA CMNWLT BK
Type	Bank
Address	PETERSBURG, VA 23805

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LOUISA VA
Recording Date	Jan 18, 2017
Property Address	2950 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000000340
Book / Page	001492 / 000761
Instrument Date	Dec 19, 2016
Instrument	340
Transaction Type	Foreclosure
Record Updated	Jan 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	30 HIGHPOCKETS RD CARTERSVILLE VA 230279748, CARTERSVILLE, VA 23027-9748

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		$428,260 (+4.25%) Land $72,900 Building $355,360	$428,260 (+4.25%) Land $72,900 Building $355,360
2025	$2,957.00 (+8%)	$410,800 (+15.07%) Land $61,700 Building $349,100	$410,800 (+15.07%) Land $61,700 Building $349,100
2024	$2,738.00 (+794.77%)
2023		$357,000 Land $49,500 Building $307,500
2022	$306.00		$357,000 Land $49,500 Building $307,500

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	0.01% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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