3005 Harmony Ln, Bumpass, VA 23024 Property Records

Spotsylvania County property record for 3005 Harmony Ln, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,450 sqft · built 2023
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Dec 2019)
Tax Bill	$4,454 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85D-2-F`

Property Details

APN / Parcel Number

Primary APN	`85D-2-F`
Alternative APN	`085D 2-F`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,450 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	444 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3005 HARMONY LN
City	BUMPASS
State	VA
Zip	23024-9736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR - RESID
Legal Description	BULL FROG BEND LOT F
Legal Subdivision	BULLFROG BEND
Legal Lot Number	F
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3017
Census Tract	20404

Owner

3005 Harmony Ln is owned by an individual who bought it in December 2019.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	3005 HARMONY LN, 207, BUMPASS, VA 23024-9736
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
Apr 28, 2022	Deed of Trust, Mortgage · ARM FULTON BANK NA
Dec 4, 2019	Warranty Deed, Transfer NOT AVAILABLE
Aug 16, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2019 · Amount on File
Deed Sale	Dec 4, 2019 · Amount on File
Deed Document Number	201921082
Prior Transfer Date	Aug 9, 2019
Prior Transfer Doc	0000013264
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3005 HARMONY LN, BUMPASS, VA 23024-9736
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0220009225
Date	Apr 28, 2022
Instrument	220009225

Lender

Name	FULTON BANK NA

Agreement

Type	ARM
Amount	Amount on Record
Term	379 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Margin	3

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Dec 4, 2019
Property Address	3005 HARMONY LN, BUMPASS, VA 23024-9736
Document Number	201900021082
Instrument Date	Dec 2, 2019
Instrument	21082
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$68.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43034 LAKE RIDGE PL LEESBURG VA 201766812, LEESBURG, VA 20176-6812

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Aug 16, 2019
Property Address	3005 HARMONY LN, BUMPASS, VA 23024-9736
Document Number	201900013264
Instrument Date	Aug 9, 2019
Instrument	13264
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7390 WOODHAVEN DR LA PLATA MD 206464006, LA PLATA, MD 20646-4006

Tax Assessment & Valuation

The 2026 property tax bill for 3005 Harmony Ln was $4,454, up 1.9% from the year before.

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,454.00 (+1.85%)	$604,100 (+1.43%) Land $86,300 Building $517,800
2025	$4,373.00	$595,600 Land $75,100 Building $520,500	$604,100 (+1.43%) Land $86,300 Building $517,800
2024			$595,600 (+97.09%) Land $75,100 Building $520,500
2023	$2,332.00	$302,200 Land $68,800 Building $233,400	$302,200 Land $68,800 Building $233,400

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

Flood

FEMA maps place 3005 Harmony Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2018–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2020 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3005 Harmony 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 93% of the US · lower than 95% 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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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