Fluvanna County property record for 589 Three Chopt Rd, Kents Store, VA 23084
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1962 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Feb 2026) |
| Tax Bill | $1,859 (2025) |
| Deeds & Mortgages | Jul 2011 Line of Credit Dec 2013 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23 A 54 |
| Primary APN | 23 A 54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 1,140 sqft |
| 1st Floor Area | 960 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Rolling |
| Deck Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 6285 |
|---|---|
| Street Address | 589 THREE CHOPT RD |
| City | KENTS STORE |
| State | VA |
| Zip | 23084-2362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | INST 210005269 AC 4.0 |
| Legal Block | 5 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20200 |
Source: Fluvanna County records, as of June 25, 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 | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2011 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Dec 30, 2013 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC |
| Mar 11, 2025 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Feb 27, 2026 | Deed, Transfer · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU |
| Oct 20, 2021 | Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Nov 30, 2010 | Deed, Transfer · VA Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Oct 20, 2021 · Amount on Record |
| Deed Document Number | 2026579 |
| Prior Transfer Date | Mar 29, 2006 |
| Prior Transfer Doc | 000677/956 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000847/060 |
|---|---|
| Date | Jul 29, 2011 |
| Book Page | 847/060 |
| Instrument | 1102320 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000910/900 |
|---|---|
| Date | Dec 30, 2013 |
| Book Page | 910/900 |
| Instrument | 1304831 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95864 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0250000682 |
|---|---|
| Date | Mar 11, 2025 |
| Instrument | 250000682 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Feb 27, 2026 |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Document Number | 0260000579 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 260000579 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Title Company | LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Document Number | 0260000580 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 260000580 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Oct 20, 2021 |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Document Number | 0210005269 |
| Map Reference | DB 832 PG 195 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 210005269 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | FIDELITY NATIONAL TITLE INSU |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Document Number | 0210005270 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 210005270 |
| Name | NEWREZ LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Nov 30, 2010 |
| Property Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Document Number | 000832/195 |
| Book / Page | 832 / 195 |
| Instrument Date | Nov 16, 2010 |
| Instrument | 1004172 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 589 THREE CHOPT RD, KENTS STORE, VA 23084-2362 |
| Investor | Possibly a Property Investor |
| Document Number | 0001004173 |
|---|---|
| Date | Nov 30, 2010 |
| Instrument | 1004173 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2040 |
| Rate | 4.25% |
|---|
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $246,300 (+19.91%) Land $44,000 Building $202,300 | $246,300 (+19.91%) Land $44,000 Building $202,300 | |
| 2025 | $1,859.00 (+20.71%) | $205,400 (+41.17%) Land $44,000 Building $161,400 | $205,400 (+41.17%) Land $44,000 Building $161,400 |
| 2024 | $1,540.00 (+25.41%) | ||
| 2023 | $145,500 Land $44,000 Building $101,500 | $145,500 Land $44,000 Building $101,500 | |
| 2022 | $1,228.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Nov 1985 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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