470 Jacoby Rd, Louisa, VA 23093 Property Records

Louisa County property record for 470 Jacoby Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 2017
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,900 (Aug 2026)
Tax Bill	$2,543 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25 17 3`

Property Details

APN / Parcel Number

Primary APN	`25 17 3`
Alternative APNs	`29469` `28009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,370 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	81,022 sqft (1.86 acres)

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	12 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28009
Street Address	470 JACOBY RD
City	LOUISA
State	VA
Zip	23093-5033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	JACOBY JUNCTION PB 8/2420-2422 LOT 3 DB 1957/273 1.862AC
Legal Subdivision	JACOBY JUNCTION
Legal Lot Number	3
Jurisdiction	LOUISA VA
Township / Civil Division	LOUISA
Census Block Group	1
Census Block	1017
Census Tract	950201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	470 JACOBY RD, LOUISA, VA 23093-5033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Feb 6, 2024	Deed of Trust, Mortgage · Line of Credit VILLAGE BANK
Jan 7, 2020	Grant Deed, Transfer · FHA Mortgage VILLAGE BK MTG
Sep 25, 2017	Grant Deed, Transfer · Conventional with PMI MORTGAGE LENDERS/AMERICA
Apr 7, 2017	Grant Deed, Transfer · Line of Credit W W WHITLOCK AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	May 24, 2024 · Amount on Record
Deed Document Number	20267203
Deed Book / Page	2103 / 770
Prior Transfer Date	Aug 28, 2012
Prior Transfer Doc	0000005474
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 5, 2026
Property Address	470 JACOBY RD, LOUISA, VA 23093-5033
Document Number	0000007203
Book / Page	2103 / 770
Instrument Date	Aug 3, 2026
Instrument	20267203
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,339.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 JACOBY RD, LOUISA, VA 23093-5033
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007204,
Date	Aug 5, 2026
Instrument	20267204

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	470 JACOBY RD, LOUISA, VA 23093
Transaction Type	Mortgage
Record Updated	Feb 29, 2024
Title Company	TERRY TITLE, TERRYS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 JACOBY RD, LOUISA, VA 23093

Mortgage

Document Number	001938/924
Date	Feb 6, 2024
Book Page	1938/924
Instrument	202400001036

Lender

Name	VILLAGE BANK
Type	Bank
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Jan 7, 2020
Property Address	470 JACOBY RD, LOUISA, VA 23093
Document Number	0000000194
Book / Page	001651 / 000898
Instrument Date	Dec 16, 2019
Instrument	194
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 JACOBY RD LOUISA VA 230935033, LOUISA, VA 23093-5033

Mortgage

Document Number	195
Date	Jan 7, 2020
Book Page	001651/000901
Instrument	195

Lender

Name	VILLAGE BK MTG
Type	Bank
Address	MIDLOTHIAN, VA 23113

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 25, 2017
Property Address	470 JACOBY RD, LOUISA, VA 23093
Document Number	0000008148
Book / Page	001528 / 000895
Instrument Date	Sep 21, 2017
Instrument	8148
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 JACOBY RD LOUISA VA 23093, LOUISA, VA 23093

Mortgage

Document Number	8149
Date	Sep 25, 2017
Book Page	001528/000899
Instrument	8149

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LOUISA VA
Recording Date	Apr 7, 2017
Property Address	470 JACOBY RD, LOUISA, VA 23093
Document Number	0000002923
Book / Page	001504 / 000025
Instrument Date	Apr 5, 2017
Instrument	2923
Transaction Type	Transfer
Record Updated	Apr 17, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 FREDERICKSBURG AVE LOUISA VA 230939766, LOUISA, VA 23093-9766

Mortgage

Document Number	2924
Date	Apr 7, 2017
Book Page	001504/000029
Instrument	2924

Lender

Name	W W WHITLOCK AGENCY INC
Address	PO BOX 130, MINERAL, VA 23117-0130

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	2925,
Date	Apr 7, 2017
Book Page	001504/000039
Instrument	2925

Lender

Name	W W WHITLOCK AGENCY INC
Address	PO BOX 130, MINERAL, VA 23117-0130

Agreement

Amount	Amount Recorded

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		$382,308 (+8.21%) Land $49,200 Building $333,108	$382,308 (+8.21%) Land $49,200 Building $333,108
2025	$2,543.00 (+9%)	$353,300 (+20.21%) Land $40,000 Building $313,300	$353,300 (+20.21%) Land $40,000 Building $313,300
2024	$2,333.00 (+1,161.08%)
2023		$293,900 Land $31,900 Building $262,000
2022	$185.00		$293,900 Land $31,900 Building $262,000

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
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	0.02% 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 26 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 (outdoors only) and 4G LTE

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