343 Cardinal Rd, Louisa, VA 23093 Property Records

Louisa County property record for 343 Cardinal Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,476 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$367,000 (Mar 2025)
Tax Bill	$1,287 (2022)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40G 1 28`

Property Details

APN / Parcel Number

Primary APN	`40G 1 28`
Alternative APNs	`29706` `28246`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,476 sqft Living Area
1st Floor Area	1,540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28246
Street Address	343 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 8/2446-49 LOT 28 DB 2002/1 .215AC
Legal Subdivision	COUNTRYSIDE
Legal Phase	1B
Legal Lot Number	28
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	2
Census Block	2001
Census Tract	950201

Owner

343 Cardinal Rd is owned and occupied by an individual who bought it in March 2025.

Source: Louisa County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	343 CARDINAL RD, LOUISA, VA 23093-4939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Dec 29, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on File
Deed Sale	Mar 10, 2025 · Amount on File
Prior Sale	Dec 29, 2021 · Amount on File
Deed Document Number	20251910
Deed Book / Page	2002 / 1
Prior Transfer Date	Apr 5, 2013
Prior Transfer Doc	0000003563
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	343 CARDINAL RD, LOUISA, VA 23093-4939
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 CARDINAL RD, LOUISA, VA 23093-4939

Mortgage

Document Number	002070/604
Date	Mar 9, 2026
Book Page	2070/604
Instrument	202600002268

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2056

December 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 29, 2021
Property Address	343 CARDINAL RD, LOUISA, VA 23093-4939
Document Number	001816/175
Book / Page	1816 / 175
Map Reference	MB 8 PG 2446-2449
Instrument Date	Dec 27, 2021
Instrument	202100015586
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	CLOSURE TITLE SETTLEMENT COMPANY, CLOSURE TITLE & STLMT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 CARDINAL RD, LOUISA, VA 23093-4939

Mortgage

Document Number	0001816180
Date	Dec 29, 2021
Instrument	1816/180

Lender

Name	MEMBER OPTIONS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

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		$374,200 (+5.14%) Land $39,000 Building $335,200	$374,200 (+5.14%) Land $39,000 Building $335,200
2025		$355,900 Land $31,000 Building $324,900	$355,900 Land $31,000 Building $324,900
2023		$310,600 Land $24,000 Building $286,600
2022	$1,287.00		$310,600 Land $24,000 Building $286,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 343 Cardinal Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 343 Cardinal Rd is low, with a 0.02% annual chance of 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.

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 77 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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