645 Hemlock Loop, Mineral, VA 23117 Property Records

Louisa County property record for 645 Hemlock Loop, Mineral, VA 23117 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	2,322 sqft Living Area
Lot Size	43,996 sqft (1.01 acres)
Garage	441 sqft
Occupancy	Owner Occupied
Tax Bill	$4,251.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`45E1 1 81`
Alternative APNs	`20137` `19430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,322 sqft Living Area
1st Floor Area	2,322 sqft 1st Floor
Basement Area	2,322 sqft Basement
Unfinished Basement	2,322 sqft Unfinished
Stories	1 Story
Flooring	Carpet
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	43,996 sqft (1.01 acres)
Parking Spaces	2 Parking Spaces
Garage Area	441 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	96 sqft Shed
Deck Area	468 sqft Deck
Patio Area	48 sqft Patio
Porch	Slab
Porch Area	220 sqft Porch

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19430
Street Address	645 HEMLOCK LOOP
City	MINERAL
State	VA
Zip	23117-4782
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FOREST SUBDIVISON LOT 81 SECTION 1 DB 806/873 .93AC
Legal Subdivision	LAKE FOREST SUBDIVISON
Legal Lot Number	81
Jurisdiction	LOUISA VA
Township / Civil Division	CUCKOO
Census Block Group	1
Census Block	1033
Census Tract	950102

Owner

Source: Louisa County records · APN 45E1 1 81

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	645 HEMLOCK LOOP, MINERAL, VA 23117-4782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	645 HEMLOCK LOOP, MINERAL, VA 23117-4782
Transaction Type	Mortgage
Record Updated	Nov 09, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001868/461
Date	Oct 06, 2022
Book Page	1868/461
Instrument	202200010140

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2037

Tax Assessment & Valuation

Source: Louisa County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Louisa County
Unified School District	Louisa County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$602,368 (+2.01%) Land $74,500 Building $527,868	$602,368 (+2.01%) Land $74,500 Building $527,868
2025	$4,251.00 (+13.51%)	$590,500 (+16.52%) Land $73,700 Building $516,800	$590,500 (+16.52%) Land $73,700 Building $516,800
2024	$3,745.00 (+103.31%)
2023		$506,800 Land $48,100 Building $458,700
2022	$1,842.00		$506,800 Land $48,100 Building $458,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Louisa County (51109C), updated September 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.