425 Whispering Pine Ln, Bumpass, VA 23024 Property Records

Louisa County property record for 425 Whispering Pine Ln, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 2016
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2020)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`93A 2 14`

Property Details

APN / Parcel Number

Primary APN	`93A 2 14`
Alternative APNs	`6467` `6285`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6285
Street Address	425 WHISPERING PINE LN
City	BUMPASS
State	VA
Zip	23024-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	SECTION 2 LOT 14 DB 1825/393 1.10 AC
Legal Subdivision	WILLOW BROOK ESTATES
Legal Lot Number	14
Jurisdiction	LOUISA VA
Township / Civil Division	MOUNTAIN ROAD
Census Block Group	3
Census Block	3001
Census Tract	950500

Owner

425 Whispering Pine Ln is owned and occupied by an individual who acquired it in January 2022.

Source: Louisa County records, as of September 24, 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	Individual Name on File
Mailing Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan PEOPLES ADVANTAGE FCU
Feb 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PEOPLES ADVANTAGE FCU
Feb 11, 2022	Gift Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 15, 2020	Grant Deed, Transfer · FHA Mortgage BLUE RIDGE BK
Mar 24, 2020	Court-Ordered Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on File
Deed Sale	Jun 15, 2020 · Amount on File
Deed Document Number	20205263
Deed Book / Page	1678 / 662
Last Transfer Date	Jan 31, 2022
Transfer Doc	001825/393
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002075/215
Date	Mar 31, 2026
Book Page	2075/215
Instrument	202600002976

Lender

Name	PEOPLES ADVANTAGE FCU
Type	Credit Union
Address	PETERSBURG, VA 23805

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	181 Months
Due	Apr 7, 2041

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001883/316
Date	Feb 1, 2023
Book Page	1883/316
Instrument	202300000743

Lender

Name	PEOPLES ADVANTAGE FCU
Type	Credit Union
Address	PETERSBURG, VA 23805

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 27, 2038

February 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 11, 2022
Property Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Document Number	001825/393
Book / Page	1825 / 393
Map Reference	MB 5 PG 58
Instrument Date	Jan 31, 2022
Instrument	202200001599
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	ACCOMMODATION

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
Relationship	Tenants in Severalty
Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828

Mortgage

Document Number	001825/397
Date	Feb 11, 2022
Book Page	1825/397
Instrument	202200001600

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jun 15, 2020
Property Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Document Number	0000005263
Book / Page	001678 / 000662
Instrument Date	Jun 9, 2020
Instrument	5263
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 WHISPERING PINE LN BUMPASS VA 230242828, BUMPASS, VA 23024-2828

Mortgage

Document Number	5264
Date	Jun 15, 2020
Book Page	001678/000666
Instrument	5264

Lender

Name	BLUE RIDGE BK
Type	Bank
Address	101 CENTREPORT DR # 100, GREENSBORO, NC 27409-9444

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2050

March 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	LOUISA VA
Recording Date	Mar 24, 2020
Property Address	425 WHISPERING PINE LN, BUMPASS, VA 23024-2828
Document Number	0000002888
Book / Page	001664 / 000505
Instrument Date	Sep 24, 2019
Instrument	2888
Transaction Type	Foreclosure
Record Updated	Apr 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$156.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W 7TH ST #1110 TULSA OK 741191031, 1110, TULSA, OK 74119-1031
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 425 Whispering Pine Ln was $2,532, up 10.3% from the year before.

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		$365,500 (+3.89%) Land $55,100 Building $310,400	$365,500 (+3.89%) Land $55,100 Building $310,400
2025	$2,532.00 (+10.33%)	$351,800 Land $43,900 Building $307,900	$351,800 Land $43,900 Building $307,900
2024	$2,295.00
2023		$285,600 Land $34,100 Building $251,500
2022	$193.00		$285,600 Land $34,100 Building $251,500

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

Flood

FEMA maps place 425 Whispering Pine Ln 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 425 Whispering Pine Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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