3011 Harmony Ln, Bumpass, VA 23024 Property Records

Spotsylvania County property record for 3011 Harmony Ln, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,410 sqft · built 1992
Lot Size	3.67 acres (159,865 sqft)
Owner	2 Individual Names on File
Last Sale	$507,000 (Mar 2010)
Tax Bill	$4,468 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`80-3-6C`

Property Details

APN / Parcel Number

Primary APN	`80-3-6C`
Alternative APN	`080-3-6C`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,410 sqft Finished Area
Basement Area	1,438 sqft
Unfinished Basement	1,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Shingles
Roof Material	Composition Shingle
Lot Area	159,865 sqft (3.67 acres)
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Deck Area	36 sqft
Patio Area	956 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3011 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	BLOUNTS HARBOUR LOT 6C
Legal Subdivision	BLOUNTS HARBOR
Legal Lot Number	6C
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3017
Census Tract	20404

Owner

Source: Spotsylvania County records, as of August 11, 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 File
Mailing Address	3011 HARMONY LN, BUMPASS, VA 23024-9736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Apr 19, 2018	Deed of Trust, Mortgage · Line of Credit UNION BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2010 · Amount on File
Deed Sale	Mar 15, 2010 · Amount on File
Deed Document Number	20104055
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3011 HARMONY LN, BUMPASS, VA 23024-9736
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210021011
Date	Jul 12, 2021
Instrument	210021011

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	3011 HARMONY LN, BUMPASS, VA 23024-9736
Document Number	201800006744
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Jun 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006744
Date	Apr 30, 2018
Instrument	6744

Lender

Name	UNION BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,468.00 (+8.84%)	$606,000 (+13.91%) Land $152,700 Building $453,300
2025			$606,000 (+13.91%) Land $152,700 Building $453,300
2023	$4,105.00	$532,000 Land $123,400 Building $408,600	$532,000 Land $123,400 Building $408,600

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 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

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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