417 Carter Rd, Louisa, VA 23093 Property Records

Louisa County property record for 417 Carter Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 2004
Lot Size	3.01 acres (131,116 sqft)
Owner	Individual Name on Record
Last Sale	$130,835 (Jan 2005)
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52 110`

Property Details

APN / Parcel Number

Primary APN	`52 110`
Alternative APNs	`4577` `4436`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	131,116 sqft (3.01 acres)
Garage Area	352 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4436
Street Address	417 CARTER RD
City	LOUISA
State	VA
Zip	23093-2944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	FOSTER CREEK & JONES WB 94/778 3.008 AC
Jurisdiction	LOUISA VA
Township / Civil Division	PATRICK HENRY
Census Block Group	1
Census Block	1015
Census Tract	950301

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	1803 LORGNETTE CT, SEVERN, MD 21144-1635
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 1, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2005 · Amount on Record
Deed Sale	Jan 13, 2005 · Amount on Record
Deed Document Number	2005358
Deed Book / Page	895 / 615
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	417 CARTER RD, LOUISA, VA 23093-2944
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001837/808
Date	Apr 18, 2022
Book Page	1837/808
Instrument	202200004009

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	417 CARTER RD, LOUISA, VA 23093-2944
Document Number	0000008367
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 CARTER RD LOUISA VA 230932944, LOUISA, VA 23093-2944

Mortgage

Document Number	0000008367
Date	Sep 14, 2020
Book Page	001697/000500
Instrument	8367

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Sep 13, 2047

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		$380,600 (+6.79%) Land $53,000 Building $327,600	$380,600 (+6.79%) Land $53,000 Building $327,600
2025	$2,566.00 (+7.77%)	$356,400 (+20.2%) Land $44,100 Building $312,300	$356,400 (+20.2%) Land $44,100 Building $312,300
2024	$2,381.00 (+133.89%)
2023		$296,500 Land $36,400 Building $260,100
2022	$1,018.00		$296,500 Land $36,400 Building $260,100

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

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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