5389 Paynes Mill Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 5389 Paynes Mill Rd, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,415 sqft · built 2024
Lot Size	5.2 acres (226,512 sqft)
Owner	Individual Name on Record
Last Sale	$699,900 (Sep 2026)
Tax Bill	$4,417 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92 39 5`

Property Details

APN / Parcel Number

Primary APN	`92 39 5`
Alternative APNs	`32153` `30666`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,415 sqft Living Area
1st Floor Area	1,926 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	226,512 sqft (5.2 acres)
Garage Type	Mixed
Garage Area	1,247 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	91 sqft
Patio Area	238 sqft
Lean-To	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30666
Street Address	5389 PAYNES MILL RD
City	BUMPASS
State	VA
Zip	23024-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	HOPEFUL HILLS SUBDIVISION PLAT 1780/1 SEQ 3 LOT 5 DB 1971/895 5.20 AC
Legal Subdivision	CONTAINING 5
Legal Lot Number	5
Jurisdiction	LOUISA VA
Township / Civil Division	JACKSON
Census Block Group	4
Census Block	4001
Census Tract	950500

Owner

Source: Louisa County records, as of October 16, 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	5389 PAYNES MILL RD, BUMPASS, VA 23024-3241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Aug 26, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Aug 26, 2024 · Amount on Record
Deed Document Number	20268951
Deed Book / Page	2113 / 1
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 24, 2026
Property Address	5389 PAYNES MILL RD, BUMPASS, VA 23024-3241
Document Number	0000008951
Book / Page	2113 / 1
Instrument Date	Sep 18, 2026
Instrument	20268951
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,689.90
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	5389 PAYNES MILL RD, BUMPASS, VA 23024-3241

Mortgage

Document Number	0000008952,
Date	Sep 24, 2026
Book Page	2113/5
Instrument	20268952

Lender

Name	GUARANTEED RATE

Agreement

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

Interest

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

August 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Aug 26, 2024
Property Address	5389 PAYNES MILL RD, BUMPASS, VA 23024-3241
Document Number	001971/895
Book / Page	1971 / 895
Map Reference	MB 1780 PG 1
Instrument Date	Aug 16, 2024
Instrument	202400007564
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$274.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5389 PAYNES MILL RD, BUMPASS, VA 23024-3241

Mortgage

Document Number	0001971899
Date	Aug 26, 2024
Instrument	1971/899

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

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		$642,552 (+4.72%) Land $70,000 Building $572,552	$642,552 (+4.72%) Land $70,000 Building $572,552
2025	$4,417.00 (+103.27%)	$613,600 (+1,117.46%) Land $59,500 Building $554,100	$613,600 (+1,117.46%) Land $59,500 Building $554,100
2024	$2,173.00
2023		$50,400 Land $50,400
2022			$50,400 Land $50,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

5G (outdoors only) and 4G LTE

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