3421 Three Chopt Rd, Gum Spring, VA 23065 Property Records

Goochland County property record for 3421 Three Chopt Rd, Gum Spring, VA 23065

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 2020
Lot Size	3.35 acres (146,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,950 (Jul 2020)
Tax Bill	$1,974 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21 16 1`

Property Details

APN / Parcel Number

Primary APN	`21 16 1`
Alternative APN	`20362`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Attic	Attic
Attic Area	336 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	146,187 sqft (3.35 acres)
Terrain	Rolling
Garage Area	672 sqft

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	318 sqft
Patio Area	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20362
Street Address	3421 THREE CHOPT RD
City	GUM SPRING
State	VA
Zip	23065-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1-AG/GEN
Legal Description	W GUM SPRING ON 700 3.356AC OUT OF 21-1-2A #25
Jurisdiction	GOOCHLAND VA
Township / Civil Division	2
Census Block Group	4
Census Block	4001
Census Tract	400400

Owner

Source: Goochland County records, as of September 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3421 THREE CHOPT RD, GUM SPRING, VA 23065-2146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Jul 29, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Deed Document Number	20203164
Last Transfer Date	Jun 23, 2025
Transfer Doc	0000002116
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GOOCHLAND VA
Recording Date	Apr 7, 2026
Property Address	3421 THREE CHOPT RD, GUM SPRING, VA 23065-2146
Document Number	0000001235
Instrument Date	Apr 3, 2026
Instrument	20261235
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298

Mortgage

Document Number	0000001235,
Date	Apr 7, 2026
Instrument	20261235

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GOOCHLAND VA
Recording Date	Jul 29, 2020
Property Address	3421 THREE CHOPT RD, GUM SPRING, VA 23065-2146
Document Number	0200003164
Instrument Date	Jun 18, 2020
Instrument	200003164
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3700 W END DR, HENRICO, VA 23294-5832

Mortgage

Document Number	0200003165
Date	Jul 29, 2020
Instrument	200003165

Lender

Name	NFM INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Goochland County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Goochland County
Unified School District	Goochland County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,974.00 (+6.42%)	$436,000 (+24.54%) Land $91,500 Building $344,500	$436,000 (+24.54%) Land $91,500 Building $344,500
2025	$1,855.00 (+38.23%)	$350,100 (+12.07%) Land $84,600 Building $265,500	$350,100 (+12.07%) Land $84,600 Building $265,500
2023		$312,400 Land $73,500 Building $238,900	$312,400 Land $73,500 Building $238,900
2021	$1,342.00

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 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 14 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

5G (outdoors only) and 4G LTE

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