331 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 331 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,742 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$215,222 (Oct 2018)
Tax Bill	$163 (2022)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40G 1 22`

Property Details

APN / Parcel Number

Primary APN	`40G 1 22`
Alternative APNs	`29700` `28240`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,742 sqft Living Area
1st Floor Area	728 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	156 sqft
Patio Area	112 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	28240
Street Address	331 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 22 DB 1587/191 .189AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1B
Legal Lot Number	22
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2001
Census Tract	950201

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	331 CARDINAL RD, LOUISA, VA 23093-4939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit CARTER BANK & TRUST
Oct 25, 2018	Grant Deed, Transfer · Conventional with PMI WATERSTONE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	Dec 27, 2012 · Amount on Record
Deed Document Number	20189848
Deed Book / Page	1587 / 191
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	331 CARDINAL RD, LOUISA, VA 23093-4939
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 CARDINAL RD, LOUISA, VA 23093-4939

Mortgage

Document Number	001910/621
Date	Aug 1, 2023
Book Page	1910/621
Instrument	202300006677

Lender

Name	CARTER BANK & TRUST
Type	Bank
Address	MARTINSVILLE, VA 24112

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Oct 25, 2018
Property Address	331 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	0000009848
Book / Page	001587 / 000191
Instrument Date	Oct 12, 2018
Instrument	9848
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.22
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 CARDINAL RD LOUISA VA 23093, LOUISA, VA 23093

Mortgage

Document Number	9849
Date	Oct 25, 2018
Book Page	001587/000195
Instrument	9849

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2048

Mortgage

Document Number	9850,
Date	Oct 25, 2018
Book Page	001587/000212
Instrument	9850

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2048

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		$321,100 (+4.39%) Land $39,000 Building $282,100	$321,100 (+4.39%) Land $39,000 Building $282,100
2025		$307,600 (+15.9%) Land $31,000 Building $276,600	$307,600 (+15.9%) Land $31,000 Building $276,600
2023		$265,400 Land $24,000 Building $241,400
2022	$163.00		$265,400 Land $24,000 Building $241,400

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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