3478 Three Chopt Rd, Gum Spring, VA 23065 Property Records

Louisa County property record for 3478 Three Chopt Rd, Gum Spring, VA 23065

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,354 sqft · built 1970
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$947,250 (Mar 2006)
Tax Bill	$2,149 (2025)
Deeds & Mortgages	May 2023 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`100 1`

Property Details

APN / Parcel Number

Primary APN	`100 1`
Alternative APNs	`8232` `7988`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
1st Floor Area	1,354 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	102 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	7988
Street Address	3478 THREE CHOPT RD
City	GUM SPRING
State	VA
Zip	23065-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	3 CHOP RD & RACKETT DB 189/328 2.00 AC
Jurisdiction	LOUISA VA
Township / Civil Division	MOUNTAIN ROAD
Census Block Group	2
Census Block	2033
Census Tract	950500

Owner

Source: Louisa County records · APN 100 1

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 05, 2022	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 06, 2021	Grant Deed, Transfer NOT AVAILABLE
Feb 08, 2018	Deed of Trust, Mortgage · Conventional with PMI CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 16, 2006 · Amount on Record
Deed Sale	Mar 16, 2006 · Amount on Record
Deed Document Number	20063052
Deed Book / Page	988 / 909
Last Transfer Date	Jan 25, 2022
Transfer Doc	001835/551
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126
Transaction Type	Mortgage
Record Updated	Jul 03, 2023
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126

Mortgage

Document Number	001901/392
Date	May 30, 2023
Book Page	1901/392
Instrument	202300004688

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2038

April 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	LOUISA VA
Recording Date	Apr 05, 2022
Property Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126
Document Number	001835/551
Book / Page	1835 / 551
Instrument Date	Jan 25, 2022
Instrument	202200003573
Transaction Type	Transfer
Record Updated	Jul 03, 2023
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001835/554
Date	Apr 05, 2022
Book Page	1835/554
Instrument	202200003574

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Feb 01, 2037

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jan 06, 2021
Property Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126
Document Number	0000000105
Book / Page	001727 / 000918
Instrument Date	Dec 23, 2020
Instrument	105
Transaction Type	Transfer
Record Updated	Mar 08, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 WILLIAMS RIDGE RD CHARLOTTESVILLE VA 22903, CHARLOTTESVILLE, VA 22903

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	3478 THREE CHOPT RD, GUM SPRING, VA 23065-2126
Document Number	0000001549
Instrument Date	Feb 08, 2018
Transaction Type	Mortgage
Record Updated	Mar 07, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3478 THREE CHOPT RD GUM SPRING VA 230652126, GUM SPRING, VA 23065-2126

Mortgage

Document Number	0000001549
Date	Feb 20, 2018
Book Page	001550/000370
Instrument	1549

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 19, 2033

Tax Assessment & Valuation

Source: Louisa County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,500 (+4.02%) Land $58,400 Building $252,100	$310,500 (+4.02%) Land $58,400 Building $252,100
2025	$2,149.00 (+9.14%)	$298,500 (+18.92%) Land $47,200 Building $251,300	$298,500 (+18.92%) Land $47,200 Building $251,300
2024	$1,969.00 (+116.14%)
2023		$251,000 Land $37,400 Building $213,600
2022	$911.00		$251,000 Land $37,400 Building $213,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Based on FCC filings for 14 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Three Chopt Rd

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