5175 Paynes Mill Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 5175 Paynes Mill Rd, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,021 sqft · built 2023
Lot Size	7.1 acres (309,276 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Nov 2025)
Tax Bill	$3,656 (2024)
Deeds & Mortgages	May 2026 Line of Credit Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`92 39 2`

Property Details

APN / Parcel Number

Primary APN	`92 39 2`
Alternative APNs	`32150` `30663`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,021 sqft Living Area
1st Floor Area	1,586 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	309,276 sqft (7.1 acres)
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	318 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30663
Street Address	5175 PAYNES MILL RD
City	BUMPASS
State	VA
Zip	23024-3203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	HOPEFUL HILLS SUBDIVISION PLAT 1780/1 SEQ 3 LOT 2 DB 2049/754 7.10 AC
Legal Subdivision	HOPEFULL HILLS CONTAINING 7
Legal Lot Number	2
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	4
Census Block	4001
Census Tract	950500

Owner

Source: Louisa County records, as of June 23, 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 File
Mailing Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
Nov 18, 2025	Transfer on Death Deed, Transfer
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 8, 2023	Deed, Subdivision Related Transfer · VA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	May 8, 2023 · Amount on File
Deed Document Number	202510744
Deed Book / Page	2049 / 754
Prior Transfer Date	Nov 17, 2025
Prior Transfer Doc	002049/780
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Recording Date	May 28, 2026
Property Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203
Document Number	0000005020
Book / Page	2090 / 275
Instrument Date	May 14, 2026
Instrument	20265020
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203

Mortgage

Document Number	0000005020,
Date	May 28, 2026
Book Page	2090/275
Instrument	20265020

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOUISA VA
Recording Date	Nov 18, 2025
Property Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203
Document Number	002049/780
Book / Page	2049 / 780
Map Reference	MB 1780 PG 1
Instrument Date	Nov 17, 2025
Instrument	202500010746
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUISA VA
Recording Date	Nov 18, 2025
Property Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203
Document Number	002049/754
Book / Page	2049 / 754
Map Reference	MB 1780 PG 1
Instrument Date	Nov 14, 2025
Instrument	202500010744
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203

Mortgage

Document Number	0002049758
Date	Nov 18, 2025
Instrument	2049/758

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

May 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	May 8, 2023
Property Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203
Document Number	001897/933
Book / Page	1897 / 933
Map Reference	MB 1780 PG 1
Instrument Date	May 2, 2023
Instrument	202300003947
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 10, 2023
Title Company	RATIFIED TITLE GROUP INC, RATIFIED TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5175 PAYNES MILL RD, BUMPASS, VA 23024-3203

Mortgage

Document Number	0001897937
Date	May 8, 2023
Instrument	1897/937

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

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		$568,200 (+3.99%) Land $74,700 Building $493,500	$568,200 (+3.99%) Land $74,700 Building $493,500
2025		$546,400 (+13.43%) Land $64,300 Building $482,100	$546,400 (+13.43%) Land $64,300 Building $482,100
2024	$3,656.00
2023		$481,700 Land $55,200 Building $426,500
2022			$481,700 Land $55,200 Building $426,500

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	0.03% 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 11 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

4G LTE (outdoors only), no 5G reported

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