45 Smith Rd, Mineral, VA 23117 Property Records

Louisa County property record for 45 Smith Rd, Mineral, VA 23117

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 2017
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2022)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28 97C`

Property Details

APN / Parcel Number

Primary APN	`28 97C`
Alternative APNs	`30693` `29223`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Precast Concrete Panel
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	67,518 sqft (1.55 acres)
Porch	Slab
Porch Area	112 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	29223
Street Address	45 SMITH RD
City	MINERAL
State	VA
Zip	23117-5160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	PITTS LAND PB 8/2715-2716 PARCEL B DB 1861/314 1.55 AC
Legal Subdivision	DICKINSON HILLS
Jurisdiction	LOUISA VA
Township / Civil Division	MINERAL
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

45 Smith Rd is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 SMITH RD, MINERAL, VA 23117-5160
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
Aug 10, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Aug 23, 2022	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Aug 4, 2017	Bargain and Sale Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Aug 4, 2017 · Amount on File
Deed Document Number	20228654
Deed Book / Page	1861 / 314
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	45 SMITH RD, MINERAL, VA 23117-5160
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SMITH RD, MINERAL, VA 23117-5160

Mortgage

Document Number	001859/232
Date	Aug 10, 2022
Book Page	1859/232
Instrument	202200008170

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	478 Months
Due	Jun 1, 2062

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 23, 2022
Property Address	45 SMITH RD, MINERAL, VA 23117-5160
Document Number	001861/314
Book / Page	1861 / 314
Map Reference	MB 8 PG 2715&2716
Instrument Date	Aug 4, 2022
Instrument	202200008654
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SMITH RD, MINERAL, VA 23117-5160

Mortgage

Document Number	0001861317
Date	Aug 23, 2022
Instrument	1861/317

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

August 2017: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 4, 2017
Property Address	45 SMITH RD, MINERAL, VA 23117-5160
Document Number	01521/0643
Book / Page	1521 / 0643
Instrument Date	Aug 3, 2017
Instrument	1700006589
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SMITH RD, MINERAL, VA 23117-5160

Mortgage

Document Number	01521/0646
Date	Aug 4, 2017
Book Page	1521/0646
Instrument	170006590

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 45 Smith Rd was $2,460, up 11.1% 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		$357,950 (+4.72%) Land $51,600 Building $306,350	$357,950 (+4.72%) Land $51,600 Building $306,350
2025	$2,460.00 (+11.11%)	$341,800 Land $41,500 Building $300,300	$341,800 Land $41,500 Building $300,300
2024	$2,214.00
2023		$279,700 Land $32,800 Building $246,900
2022	$189.00		$279,700 Land $32,800 Building $246,900

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

Flood

FEMA maps place 45 Smith Rd 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 45 Smith Rd 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures