3125 Paynes Mill Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 3125 Paynes Mill Rd, Bumpass, VA 23024

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,600 sqft · built 2024
Lot Size	2.56 acres (111,514 sqft)
Owner	Individual Name on Record
Tax Bill	$2,719 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`91 38 2`

Property Details

APN / Parcel Number

Primary APN	`91 38 2`
Alternative APNs	`32526` `31039`

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 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	111,514 sqft (2.56 acres)
Porch	Slab
Porch Area	176 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	31039
Street Address	3125 PAYNES MILL RD
City	BUMPASS
State	VA
Zip	23024-3240
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	A2
Legal Description	THE MEADOWS AT PAYNES MILL PLAT 1891/410 SEQ 9-10 LOT 2 DB 2026/251 2.56 AC
Legal Subdivision	THE MEADOWS AT PAYNES MILL
Legal Lot Number	2
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	4
Census Block	4011
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	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2025	Gift Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Apr 8, 2024	Deed, Subdivision Related Transfer · FHA Mortgage NEIGHBORS BANK
Dec 29, 2023	Gift Deed, Transfer
Dec 29, 2023	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2025
Deed Sale	Jul 21, 2025
Prior Sale	Apr 8, 2024 · Amount on Record
Deed Document Number	20256623
Deed Book / Page	2026 / 251
Prior Transfer Date	Jun 21, 2025
Prior Transfer Doc	002026/251
Record Updated	Oct 29, 2026

July 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 21, 2025
Property Address	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240
Document Number	002026/251
Book / Page	2026 / 251
Map Reference	MB 1891 PG 410
Instrument Date	Jun 21, 2025
Instrument	202500006623
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	ROCKET CLOSE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240

Mortgage

Document Number	0002026256
Date	Jul 21, 2025
Instrument	2026/256

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

April 2024: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Apr 8, 2024
Property Address	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240
Document Number	0001949/76
Book / Page	1949 / 76
Map Reference	MB 1891 PG 410
Instrument Date	Mar 25, 2024
Instrument	202400003039
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 23, 2026
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240

Mortgage

Document Number	0000194980
Date	Apr 8, 2024
Instrument	1949/80

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0001949/96
Date	Apr 8, 2024
Book Page	1949/96
Instrument	202400003041

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

December 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 29, 2023
Property Address	BUMPASS, VA 23024
Document Number	001934/256
Book / Page	1934 / 256
Map Reference	MB 1891 PG 410
Instrument Date	Dec 27, 2023
Instrument	202300011458
Transaction Type	Transfer
Record Updated	Jan 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 CARTERSVILLE RD, NEW CANTON, VA 23123-2280

December 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 29, 2023
Property Address	3125 PAYNES MILL RD, BUMPASS, VA 23024-3240
Document Number	001934/256
Book / Page	1934 / 256
Map Reference	MB 1891 PG 410
Instrument Date	Dec 27, 2023
Instrument	202300011458
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 CARTERSVILLE RD, NEW CANTON, VA 23123-2280
Investor	Possibly a Property Investor

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		$397,800 (+5.32%) Land $58,500 Building $339,300	$397,800 (+5.32%) Land $58,500 Building $339,300
2025	$2,719.00 (+38.23%)	$377,700 (+868.46%) Land $48,100 Building $329,600	$377,700 (+868.46%) Land $48,100 Building $329,600
2024	$1,967.00
2023		$39,000 Land $39,000
2022			$39,000 Land $39,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.02% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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