45 Moss Ln, Bumpass, VA 23024 Property Records

Louisa County property record for 45 Moss Ln, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,250 sqft · built 2022
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,000 (Aug 2021)
Tax Bill	$11,419 (2025)
Deeds & Mortgages	Feb 2023 Mortgage May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46 40 1`

Property Details

APN / Parcel Number

Primary APN	`46 40 1`
Alternative APNs	`31305` `29821`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,250 sqft Living Area
1st Floor Area	2,250 sqft
Basement Area	2,250 sqft
Finished Basement	2,250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Boat House	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	29821
Street Address	45 MOSS LN
City	BUMPASS
State	VA
Zip	23024-4973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CARL'S COVE SUBDIVISION PB 1419/857 SEQ 3 LOT 1 DB 1499/23 .950 AC
Legal Subdivision	CARL'S COVE SUBDIVISION
Legal Lot Number	1
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1048
Census Tract	950102

Owner

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	2 Individual Names on Record
Mailing Address	45 MOSS LN, BUMPASS, VA 23024-4973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST BANK & TRUST CO
May 19, 2021	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK & TRUST CO
Mar 2, 2017	Grant Deed, Subdivision Related Transfer · Line of Credit CITIZENS & FARMERS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Mar 2, 2017 · Amount on Record
Deed Document Number	202110282
Deed Book / Page	1786 / 576
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	45 MOSS LN, BUMPASS, VA 23024-4973
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	DOMINION CAPITAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001885/113
Date	Feb 15, 2023
Book Page	1885/113
Instrument	202300001200

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	BRISTOL, TN 37620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Mar 1, 2030
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year T-Bill
Max Rate	14%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	45 MOSS LN, BUMPASS, VA 23024-4973
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	DOMINION CAPITAL TITLE LLC, DOMINION CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10275 BERKELEY MANOR DR, MECHANICSVILLE, VA 23116-5131

Mortgage

Document Number	0001762/50
Date	May 19, 2021
Book Page	1762/50
Instrument	202100005969

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	BRISTOL, VA 24202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 14, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Mar 2, 2017
Property Address	BUMPASS, VA 23024
Document Number	0000001838
Book / Page	001499 / 000023
Instrument Date	Jan 6, 2017
Instrument	1838
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 14, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
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	10275 BERKELEY MANOR DR MECHANICSVILLE VA 231165131, MECHANICSVILLE, VA 23116-5131

Mortgage

Document Number	1839
Date	Mar 2, 2017
Book Page	001499/000027
Instrument	1839

Lender

Name	CITIZENS & FARMERS BK
Type	Bank
Address	POWHATAN, VA 23139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,728,000 (+8.95%) Land $306,300 Building $1,421,700	$1,728,000 (+8.95%) Land $306,300 Building $1,421,700
2025	$11,419.00 (+10.11%)	$1,586,100 (+17.5%) Land $306,300 Building $1,279,800	$1,586,100 (+17.5%) Land $306,300 Building $1,279,800
2024	$10,371.00
2023		$1,349,900 Land $272,000 Building $1,077,900
2022			$1,349,900 Land $272,000 Building $1,077,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
iWiSP Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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