39 Spruce Cir, Mineral, VA 23117 Property Records

Louisa County property record for 39 Spruce Cir, Mineral, VA 23117

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 2005
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2020)
Tax Bill	$2,273 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30D 1 81`

Property Details

APN / Parcel Number

Primary APN	`30D 1 81`
Alternative APNs	`1584` `1529`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
1st Floor Area	1,292 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Porch	Slab
Porch Area	45 sqft
Deck Area	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1529
Street Address	39 SPRUCE CIR
City	MINERAL
State	VA
Zip	23117-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE HARBOUR SUBD PB 7/197 SEC 1 LOT 81 DB 1691/284 0.93 AC
Legal Subdivision	PINE HARBOUR SUBD
Legal Lot Number	81
Jurisdiction	LOUISA VA
Township / Civil Division	CUCKOO
Census Block Group	3
Census Block	3017
Census Tract	950202

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	39 SPRUCE CIR, MINERAL, VA 23117-4644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS
Aug 17, 2020	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Mar 28, 2005 · Amount on Record
Deed Document Number	20207326
Deed Book / Page	1691 / 284
Prior Transfer Date	May 12, 2013
Prior Transfer Doc	0000003392
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	39 SPRUCE CIR, MINERAL, VA 23117-4644
Document Number	0000007327
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SPRUCE CIR MINERAL VA 231174644, MINERAL, VA 23117-4644

Mortgage

Document Number	0000007327
Date	Aug 17, 2020
Book Page	001691/000288
Instrument	7327

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 17, 2020
Property Address	39 SPRUCE CIR, MINERAL, VA 23117-4644
Document Number	0000007326
Book / Page	001691 / 000284
Instrument Date	Aug 12, 2020
Instrument	7326
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SPRUCE CIR MINERAL VA 231174644, MINERAL, VA 23117-4644

Mortgage

Document Number	7327
Date	Aug 17, 2020
Book Page	001691/000288
Instrument	7327

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of September 24, 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		$338,800 (+7.32%) Land $47,600 Building $291,200	$338,800 (+7.32%) Land $47,600 Building $291,200
2025	$2,273.00 (+7.83%)	$315,700 (+9.16%) Land $42,100 Building $273,600	$315,700 (+9.16%) Land $42,100 Building $273,600
2024	$2,108.00 (+84.1%)
2023		$289,200 Land $34,600 Building $254,600
2022	$1,145.00		$289,200 Land $34,600 Building $254,600

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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