320 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 320 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,176 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2026)
Tax Bill	$163 (2022)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40G 1 136`

Property Details

APN / Parcel Number

Primary APN	`40G 1 136`
Alternative APNs	`29718` `28258`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	1,228 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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 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	28258
Street Address	320 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 136 DB 1621/648 .189AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1B
Legal Lot Number	136
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2002
Census Tract	950201

Owner

320 Cardinal Rd is owned and occupied by two individuals who bought it in September 2026.

Source: Louisa County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 CARDINAL RD, LOUISA, VA 23093-4939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 10, 2026	Bargain and Sale Deed, Transfer · VA Mortgage FIRST HERITAGE MORTGAGE
Sep 10, 2026	Deed, Transfer TERRY TITLE, TERRYS TITLE
Jun 23, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jul 15, 2019	Grant Deed, Transfer · VA Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Prior Sale	Jul 15, 2019 · Amount on File
Deed Document Number	20268495
Deed Book / Page	2110 / 578
Prior Transfer Date	Sep 8, 2026
Prior Transfer Doc	0000008494
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 10, 2026
Property Address	320 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000008495
Book / Page	2110 / 578
Instrument Date	Sep 8, 2026
Instrument	20268495
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,885.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CARDINAL RD, LOUISA, VA 23093-4939

Mortgage

Document Number	0000008496,
Date	Sep 10, 2026
Instrument	20268496

Lender

Name	FIRST HERITAGE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 10, 2026
Property Address	320 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000008494
Book / Page	2110 / 572
Instrument Date	Sep 8, 2026
Instrument	20268494
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	TERRY TITLE, TERRYS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CARDINAL RD, LOUISA, VA 23093-4939

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	320 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000006770
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 CARDINAL RD LOUISA VA 230934939, LOUISA, VA 23093-4939

Mortgage

Document Number	0000006770
Date	Jul 29, 2020
Book Page	001687/000693
Instrument	6770

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 15, 2019
Property Address	320 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000005874
Book / Page	001621 / 000648
Instrument Date	Jul 8, 2019
Instrument	5874
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.99
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	320 CARDINAL RD LOUISA VA 23093, LOUISA, VA 23093

Mortgage

Document Number	5876
Date	Jul 15, 2019
Book Page	001621/000654
Instrument	5876

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 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		$372,600 (+4.52%) Land $39,000 Building $333,600	$372,600 (+4.52%) Land $39,000 Building $333,600
2025		$356,500 Land $31,000 Building $325,500	$356,500 Land $31,000 Building $325,500
2023		$311,000 Land $24,000 Building $287,000
2022	$163.00		$311,000 Land $24,000 Building $287,000

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

Flood

FEMA maps place 320 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 320 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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