4940 Paynes Mill Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 4940 Paynes Mill Rd, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,246 sqft · built 2006
Lot Size	2.98 acres (129,809 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Feb 2007)
Tax Bill	$3,353 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`92 27A`

Property Details

APN / Parcel Number

Primary APN	`92 27A`
Alternative APNs	`28650` `27190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,246 sqft Living Area
1st Floor Area	1,424 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	129,809 sqft (2.98 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	272 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	27190
Street Address	4940 PAYNES MILL RD
City	BUMPASS
State	VA
Zip	23024-3212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	JACKSON RT 601 PLAT 1022/474 LOT 1 DB 1624/099 2.982 AC
Legal Subdivision	A LAND OF 2
Legal Lot Number	1
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	4
Census Block	4008
Census Tract	950500

Owner

Source: Louisa County records, 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 Record	Individual Name on Record
Mailing Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Nov 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 29, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2007 · Amount on Record
Deed Sale	Feb 6, 2007 · Amount on Record
Deed Document Number	20071276
Deed Book / Page	1054 / 406
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Recording Date	Apr 17, 2026
Property Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212
Document Number	0000003670
Book / Page	2081 / 236
Instrument Date	Apr 9, 2026
Instrument	20263670
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212

Mortgage

Document Number	0000003670,
Date	Apr 17, 2026
Book Page	2081/236
Instrument	20263670

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2056

Interest

Rate	6.11%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	AURORA TITLE, AURORA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212

Mortgage

Document Number	001925/908
Date	Nov 1, 2023
Book Page	1925/908
Instrument	202300009751

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 29, 2019
Property Address	4940 PAYNES MILL RD, BUMPASS, VA 23024-3212
Document Number	0000006336
Book / Page	001624 / 000099
Instrument Date	Jul 19, 2019
Instrument	6336
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 PAYNES MILL RD BUMPASS VA 230243212, BUMPASS, VA 23024-3212

Mortgage

Document Number	6337
Date	Jul 29, 2019
Book Page	001624/000103
Instrument	6337

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

Tax Assessment & Valuation

Source: Louisa County assessment roll, as of June 23, 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		$482,000 (+3.48%) Land $60,600 Building $421,400	$482,000 (+3.48%) Land $60,600 Building $421,400
2025	$3,353.00 (+13.7%)	$465,800 (+20.86%) Land $50,200 Building $415,600	$465,800 (+20.86%) Land $50,200 Building $415,600
2024	$2,949.00 (+88.43%)
2023		$385,400 Land $41,100 Building $344,300
2022	$1,565.00		$385,400 Land $41,100 Building $344,300

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 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 42 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)

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