314 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 314 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,024 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$219,843 (Jun 2019)
Tax Bill	$163 (2022)
Deeds & Mortgages	Sep 2025 Transfer Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40G 1 133`

Property Details

APN / Parcel Number

Primary APN	`40G 1 133`
Alternative APNs	`29715` `28255`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,024 sqft Living Area
1st Floor Area	1,152 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	156 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	28255
Street Address	314 CARDINAL RD
City	LOUISA
State	VA
Zip	23093-4939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Description	COUNTRYSIDE PHASE 1B PB 8/2446-2449 LOT 133 DB 1618/536 .322AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1B
Legal Lot Number	133
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2002
Census Tract	950201

Owner

314 Cardinal Rd is owned and occupied by an individual who acquired it in August 2025.

Source: Louisa County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	314 CARDINAL RD, LOUISA, VA 23093-4939
Occupancy	Owner Occupied
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
Sep 17, 2025	Transfer on Death Deed, Transfer
Jun 26, 2019	Grant Deed, Transfer · FHA Mortgage ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2019 · Amount on File
Deed Sale	Jun 26, 2019 · Amount on File
Prior Sale	Dec 27, 2012 · Amount on File
Deed Document Number	20195237
Deed Book / Page	1618 / 536
Last Transfer Date	Aug 9, 2025
Transfer Doc	002036/248
Record Updated	Oct 29, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 17, 2025
Property Address	314 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	002036/248
Book / Page	2036 / 248
Map Reference	MB 8 PG 2446-2449
Instrument Date	Aug 9, 2025
Instrument	202500008425
Transaction Type	Transfer
Record Updated	Oct 13, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 CARDINAL RD, LOUISA, VA 23093-4939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 CARDINAL RD, LOUISA, VA 23093-4939

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 26, 2019
Property Address	314 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000005237
Book / Page	001618 / 000536
Instrument Date	Jun 10, 2019
Instrument	5237
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.84
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 CARDINAL RD LOUISA VA 230934939, LOUISA, VA 23093-4939

Mortgage

Document Number	5238
Date	Jun 26, 2019
Book Page	001618/000540
Instrument	5238

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2049

Mortgage

Document Number	5239,
Date	Jun 26, 2019
Book Page	001618/000556
Instrument	5239

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2049

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Louisa County
Municipality	Louisa Town
Unified School District	Louisa County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$352,500 (+4.63%) Land $39,000 Building $313,500	$352,500 (+4.63%) Land $39,000 Building $313,500
2025		$336,900 (+8.75%) Land $31,000 Building $305,900	$336,900 Land $31,000 Building $305,900
2024		$309,800 (+5.48%) Land $27,000 Building $282,800
2023		$293,700 Land $24,000 Building $269,700
2022	$163.00		$309,800 Land $27,000 Building $282,800

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

Flood

FEMA maps place 314 Cardinal Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 314 Cardinal Rd 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF LOUISA serves 1,555 people · EPA ID VA2109450
Water Source	Purchased surface water from LOUISA COUNTY WATER AUTHORITY
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator.

Water Quality	Haloacetic acids resolved · Jan 2026 Total trihalomethanes resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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