3235 Paynes Mill Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 3235 Paynes Mill Rd, Bumpass, VA 23024

Property Summary

Property Type	Other Improved
Details	3 bd · 2.5 ba · 1,904 sqft · built 2023
Lot Size	4.96 acres (216,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Dec 2023)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91 38 5`

Property Details

APN / Parcel Number

Primary APN	`91 38 5`
Alternative APNs	`32529` `31042`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	216,058 sqft (4.96 acres)
Porch	Slab
Porch Area	168 sqft
Deck Area	48 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	31042
Street Address	3235 PAYNES MILL RD
City	BUMPASS
State	VA
Zip	23024-3225
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 5 DB 1930/625 4.96 AC
Legal Subdivision	THE MEADOWS AT PAYNES MILL
Legal Lot Number	5
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	2 Individual Names on Record
Mailing Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 24, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 6, 2023	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2023 · Amount on Record
Deed Sale	Dec 6, 2023 · Amount on Record
Deed Document Number	202310768
Deed Book / Page	1930 / 625
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225

Mortgage

Document Number	002075/175
Date	Mar 31, 2026
Book Page	2075/175
Instrument	202600002974

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.12%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225

Mortgage

Document Number	002004/390
Date	Mar 24, 2025
Book Page	2004/390
Instrument	202500002369

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.75%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 6, 2023
Property Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225
Document Number	001930/625
Book / Page	1930 / 625
Map Reference	MB 1891 PG 410
Instrument Date	Nov 28, 2023
Instrument	202300010768
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LOCUST GROVE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3235 PAYNES MILL RD, BUMPASS, VA 23024-3225

Mortgage

Document Number	0001930629
Date	Dec 6, 2023
Instrument	1930/629

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

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		$452,000 (+3.86%) Land $69,400 Building $382,600	$452,000 (+3.86%) Land $69,400 Building $382,600
2025	$3,133.00 (+11.97%)	$435,200 (+773.9%) Land $58,900 Building $376,300	$435,200 (+773.9%) Land $58,900 Building $376,300
2024	$2,798.00
2023		$49,800 Land $49,800
2022			$49,800 Land $49,800

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 5 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

4G LTE only, no 5G reported

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