2968 Three Chopt Rd, Gum Spring, VA 23065 Property Records

Louisa County property record for 2968 Three Chopt Rd, Gum Spring, VA 23065

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1970
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$187,850 (Jul 2019)
Tax Bill	$1,468 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`100A 1 12`

Property Details

APN / Parcel Number

Primary APN	`100A 1 12`
Alternative APNs	`9760` `9448`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Pool Type	Above-Ground Pool
Patio Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9448
Street Address	2968 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	RT 634 & 250 PB 6/49 LOT 12 DB 1623/521 1.05AC
Legal Subdivision	GUM SPRING MANOR
Legal Lot Number	12
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	20518 MORNINGSIDE TER, STERLING, VA 20165-3559
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 3, 2023	Transfer on Death Deed, Transfer
Nov 18, 2022	Transfer on Death Deed, Transfer
Jul 25, 2019	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA
Mar 29, 2019	Grant Deed, Transfer NOT AVAILABLE
Jan 7, 2019	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2019 · Amount on Record
Deed Sale	Jul 25, 2019 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Document Number	20196245
Deed Book / Page	1623 / 521
Last Transfer Date	Jan 31, 2023
Transfer Doc	001883/549
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Transaction Type	Mortgage
Record Updated	Jul 3, 2023
Title Company	PREFERRED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001743/475
Date	Mar 9, 2021
Book Page	1743/475
Instrument	202100002724

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 3, 2023
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	001883/549
Book / Page	1883 / 549
Map Reference	MB 6 PG 49
Instrument Date	Jan 31, 2023
Instrument	202300000815
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176

November 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOUISA VA
Recording Date	Nov 18, 2022
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0001875/93
Book / Page	1875 / 93
Map Reference	MB 6 PG 49
Instrument Date	Nov 2, 2022
Instrument	202200011531
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 25, 2019
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000006245
Book / Page	001623 / 000521
Instrument Date	Jul 23, 2019
Instrument	6245
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 3RD CHOPT RD GUMSPRING VA 23065, GUMSPRING, VA 23065

Mortgage

Document Number	6246
Date	Jul 25, 2019
Book Page	001623/000525
Instrument	6246

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Mar 29, 2019
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000002513
Book / Page	001606 / 000182
Instrument Date	Mar 25, 2019
Instrument	2513
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$85.50
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	12197 HENLEY RD ROCKVILLE VA 231461816, ROCKVILLE, VA 23146-1816

January 2019: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	LOUISA VA
Recording Date	Jan 7, 2019
Property Address	2968 THREE CHOPT RD, GUM SPRING, VA 23065-2176
Document Number	0000000159
Book / Page	001596 / 000611
Instrument Date	Aug 24, 2018
Instrument	159
Transaction Type	Foreclosure
Record Updated	Jan 21, 2019

Transaction

Amount	Amount Recorded
Tax	$150.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

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		$217,800 (+6.82%) Land $54,900 Building $162,900	$217,800 (+6.82%) Land $54,900 Building $162,900
2025	$1,468.00 (+8.18%)	$203,900 (+19.24%) Land $43,700 Building $160,200	$203,900 (+19.24%) Land $43,700 Building $160,200
2024	$1,357.00 (+94.13%)
2023		$171,000 Land $33,900 Building $137,100
2022	$699.00		$171,000 Land $33,900 Building $137,100

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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