427 Pt Dr, Bumpass, VA 23024 Property Records

Louisa County property record for 427 Pt Dr, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,296 sqft · built 2005
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$324,900 (Dec 2017)
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46H 1 86`

Property Details

APN / Parcel Number

Primary APN	`46H 1 86`
Alternative APNs	`20924` `19757`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,296 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Finished Basement	1,400 sqft
Flooring	Vinyl/Resilient
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)
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	560 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19757
Street Address	427 POINT DR
City	BUMPASS
State	VA
Zip	23024-4659
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	JERDONE ISLAND LOT 86 SEC C DB 1543/564 .925 AC
Legal Subdivision	JERDONE ISLAND
Legal Lot Number	86
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1073
Census Tract	950101

Owner

427 Pt Dr is owned and occupied by two individuals who bought it in December 2017.

Source: Louisa County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	427 POINT DR, BUMPASS, VA 23024-4659
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Dec 21, 2017	Grant Deed, Transfer · Conventional with PMI CAPTIAL CENTER LLC
Dec 21, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on File
Deed Sale	Dec 21, 2017 · Amount on File
Prior Sale	Jul 1, 2005 · Amount on File
Deed Document Number	201710805
Deed Book / Page	1543 / 564
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	427 POINT DR, BUMPASS, VA 23024-4659
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001725/913
Date	Dec 29, 2020
Book Page	1725/913
Instrument	202000013228

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate	3%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 21, 2017
Property Address	427 POINT DR, BUMPASS, VA 23024-4659
Document Number	0000010805
Book / Page	001543 / 000564
Instrument Date	Dec 15, 2017
Instrument	10805
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	427 POINT DR BUMPASS VA 230244659, BUMPASS, VA 23024-4659

Mortgage

Document Number	10806
Date	Dec 21, 2017
Book Page	001543/000568
Instrument	10806

Lender

Name	CAPTIAL CENTER LLC
Address	4510 COX RD # 402, GLEN ALLEN, VA 23060-3394

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2047

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 21, 2017
Property Address	427 POINT DR, BUMPASS, VA 23024-4659
Document Number	0000010804
Book / Page	001543 / 000559
Instrument Date	Dec 15, 2017
Instrument	10804
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	427 POINT DR BUMPASS VA 230244659, BUMPASS, VA 23024-4659

Tax Assessment & Valuation

The 2025 property tax bill for 427 Pt Dr was $3,576, up 2.1% 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		$531,600 (+7.03%) Land $84,100 Building $447,500	$531,600 (+7.03%) Land $84,100 Building $447,500
2025	$3,576.00 (+2.08%)	$496,700 Land $76,400 Building $420,300	$496,700 Land $76,400 Building $420,300
2024	$3,503.00
2023		$436,100 Land $58,200 Building $377,900
2022	$2,101.00		$436,100 Land $58,200 Building $377,900

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

Flood

FEMA maps place 427 Pt Dr 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 427 Pt Dr is low, with a 0.01% 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	0.01% 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 23 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.

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