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432 Hemlock Loop, Mineral, VA 23117 Property Records

Louisa County property record for 432 Hemlock Loop, Mineral, VA 23117

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 3,563 sqft · built 2014
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on File
Tax Bill$15,370 (2025)
Deeds & MortgagesJun 2026 Line of Credit
Mar 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN45E1 1 72

Property Details

APN / Parcel Number

Primary APN45E1 1 72
Alternative APNs
  • 20128
  • 19421

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,563 sqft Living Area
1st Floor Area2,908 sqft
Basement Area2,908 sqft
Finished Basement2,209 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialPrecast Concrete Panel
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area43,560 sqft (1 acres)
Garage Area1,008 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area48 sqft
Deck Area466 sqft
Patio Area632 sqft
Boat House240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number19421
Street Address432 HEMLOCK LOOP
CityMINERAL
StateVA
Zip23117-4783
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRD
Legal DescriptionLAKE FOREST SUBD PB 8/1964 LOT 72 SEC 1 DB 1745/051 1.748 AC
Legal SubdivisionLAKE FOREST SUBD
Legal Lot Number72
JurisdictionLOUISA VA
Township / Civil DivisionCUCKOO
Census Block Group1
Census Block1032
Census Tract950102

Owner

Source: Louisa County assessment roll, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address432 HEMLOCK LOOP, MINERAL, VA 23117-4783
OccupancyOwner Occupied
Owner TypeIndividual
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2026Deed of Trust, Mortgage · Line of Credit
SPRING EQ LLC
Mar 16, 2021Intrafamily Transfer, Transfer · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 16, 2021
Deed SaleMar 16, 2021
Prior SaleApr 17, 2013 · Amount on Record
Deed Document Number20213027
Deed Book / Page1745 / 51
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOUISA VA
Recording DateJun 23, 2026
Property Address432 HEMLOCK LOOP, MINERAL, VA 23117-4783
Document Number0000005876
Book / Page2095 / 945
Instrument DateJun 18, 2026
Instrument20265876
Transaction TypeMortgage
Record UpdatedJul 14, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant, 269
Address432 HEMLOCK LOOP, MINERAL, VA 23117-4783

Mortgage

Document Number0000005876,
DateJun 23, 2026
Book Page2095/945
Instrument20265876
Lender
NameSPRING EQ LLC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJul 1, 2046
Interest
Rate6.51%
Max Rate-1%

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLOUISA VA
Recording DateMar 16, 2021
Property Address432 HEMLOCK LOOP, MINERAL, VA 23117-4783
Document Number0001745/51
Book / Page1745 / 51
Map ReferenceMB 8 PG 1964
Instrument DateMar 11, 2021
Instrument202100003027
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyUNIVERSAL TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address432 HEMLOCK LOOP, MINERAL, VA 23117-4783

Mortgage

Document Number0000174555
DateMar 16, 2021
Instrument1745/55
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of June 23, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyLouisa County
Unified School DistrictLouisa County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,180,074 (+2.12%) Land $534,000 Building $1,646,074$2,180,074 (+2.12%) Land $534,000 Building $1,646,074
2025$15,370.00 (+15.01%)$2,134,800 (+25.84%) Land $534,000 Building $1,600,800$2,134,800 (+25.84%) Land $534,000 Building $1,600,800
2024$13,364.00 (+84.28%)
2023$1,696,400 Land $436,100 Building $1,260,300
2022$7,252.00$1,696,400 Land $436,100 Building $1,260,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 99% of Virginia
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
iWiSP
Fiber · Fixed Wireless		1,000 / 1,000
Central Virginia Electric Cooperative
Fiber		1,000 / 1,000
T-Mobile USA
Fixed Wireless		100 / 20

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