3320 Three Chopt Rd, Gum Spring, VA 23065 Property Records

Louisa County property record for 3320 Three Chopt Rd, Gum Spring, VA 23065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2019
Lot Size	2.24 acres (97,574 sqft)
Owner	Individual Name on Record
Last Sale	$247,000 (Dec 2019)
Tax Bill	$2,846 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`100 14`

Property Details

APN / Parcel Number

Primary APN	`100 14`
Alternative APNs	`9922` `9607`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	97,574 sqft (2.24 acres)
Porch	Slab
Porch Area	150 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9607
Street Address	3320 THREE CHOPT RD
City	GUM SPRING
State	VA
Zip	23065-2197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	3 CHOP RD & WILTSHIRE PLAT 1571/523 SEQ 5 LOT 4 DB 1650/343 2.243 AC
Legal Subdivision	OWEN CREEK
Legal Lot Number	4
Jurisdiction	LOUISA VA
Township / Civil Division	MOUNTAIN ROAD
Census Block Group	2
Census Block	2062
Census Tract	950500

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	3320 THREE CHOPT RD, GUM SPRING, VA 23065-2197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP
Dec 26, 2019	Grant Deed, Transfer C&F MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	201911456
Deed Book / Page	1650 / 343
Prior Transfer Date	Sep 23, 2013
Prior Transfer Doc	0000006353
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	3320 THREE CHOPT RD, GUM SPRING, VA 23065-2197
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001759/709
Date	May 11, 2021
Book Page	1759/709
Instrument	202100005563

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate	3.37%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 26, 2019
Property Address	3320 THREE CHOPT RD, GUM SPRING, VA 23065-2197
Document Number	0000011456
Book / Page	001650 / 000343
Instrument Date	Dec 19, 2019
Instrument	11456
Transaction Type	Transfer
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.89
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3320 THREE CHOPT RD GUM SPRING VA 23065, GUM SPRING, VA 23065

Mortgage

Document Number	11457
Date	Dec 26, 2019
Book Page	001650/000347
Instrument	11457

Lender

Name	C&F MTG
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of June 23, 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		$416,200 (+5.26%) Land $60,800 Building $355,400	$416,200 (+5.26%) Land $60,800 Building $355,400
2025	$2,846.00 (+8.3%)	$395,400 (+12.91%) Land $49,600 Building $345,800	$395,400 (+12.91%) Land $49,600 Building $345,800
2024	$2,628.00 (+1,004.2%)
2023		$350,200 Land $42,200 Building $308,000
2022	$238.00		$350,200 Land $42,200 Building $308,000

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	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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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