321 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 321 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,120 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$244,900 (Apr 2019)
Tax Bill	$163 (2022)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40G 1 17`

Property Details

APN / Parcel Number

Primary APN	`40G 1 17`
Alternative APNs	`29695` `28235`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,240 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Patio Area	96 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	28235
Street Address	321 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 17 DB 1607/917 .189 AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1B
Legal Lot Number	17
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2001
Census Tract	950201

Owner

Source: Louisa County records, as of June 23, 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	321 CARDINAL RD, LOUISA, VA 23093-4939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Dec 27, 2012 · Amount on Record
Deed Document Number	20192903
Deed Book / Page	1607 / 917
Record Updated	Sep 20, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Apr 12, 2019
Property Address	321 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000002903
Book / Page	001607 / 000917
Instrument Date	Apr 2, 2019
Instrument	2903
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$244.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CARDINAL RD LOUISA VA 230934939, LOUISA, VA 23093-4939

Mortgage

Document Number	2904
Date	Apr 12, 2019
Book Page	001607/000921
Instrument	2904

Lender

Name	CBM MTG INC
Address	FRONT ROYAL, VA 22630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

Mortgage

Document Number	2905,
Date	Apr 12, 2019
Book Page	001607/000936
Instrument	2905

Lender

Name	CBM MTG INC
Address	FRONT ROYAL, VA 22630

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of June 23, 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		$363,500 (+3.56%) Land $39,000 Building $324,500	$363,500 (+3.56%) Land $39,000 Building $324,500
2025		$351,000 (+15.73%) Land $31,000 Building $320,000	$351,000 (+15.73%) Land $31,000 Building $320,000
2023		$303,300 Land $24,000 Building $279,300
2022	$163.00		$303,300 Land $24,000 Building $279,300

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 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	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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