685 Spring Rd, Mineral, VA 23117 Property Records

Louisa County property record for 685 Spring Rd, Mineral, VA 23117

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 2021
Lot Size	3.06 acres (133,294 sqft)
Owner	Individual Name on File
Last Sale	$267,500 (Jan 2022)
Tax Bill	$2,487 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`43 125`

Property Details

APN / Parcel Number

Primary APN	`43 125`
Alternative APNs	`751` `727`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	133,294 sqft (3.06 acres)
Porch	Slab
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	727
Street Address	685 SPRING RD
City	MINERAL
State	VA
Zip	23117-4237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	CON CREEK & KENNEDY LOT C DB 1817/421 3.06 AC
Legal Subdivision	CON CREEK
Legal Lot Number	C
Jurisdiction	LOUISA VA
Township / Civil Division	MINERAL
Census Block Group	3
Census Block	3021
Census Tract	950202

Owner

685 Spring Rd is owned and occupied by an individual who bought it in January 2022.

Source: Louisa County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	685 SPRING RD, MINERAL, VA 23117-4237
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 9, 2021	Deed, Transfer NOT AVAILABLE, LILLY TITLE & SETTLEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on File
Deed Sale	Jan 7, 2022 · Amount on File
Prior Sale	Mar 9, 2021 · Amount on File
Deed Document Number	202263
Deed Book / Page	1817 / 421
Record Updated	Oct 29, 2026

January 2022: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Jan 7, 2022
Property Address	685 SPRING RD, MINERAL, VA 23117-4237
Document Number	001817/421
Book / Page	1817 / 421
Map Reference	MB 164 PG 571
Instrument Date	Jan 6, 2022
Instrument	202200000063
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2022
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 SPRING RD, MINERAL, VA 23117-4237

Mortgage

Document Number	0001817425
Date	Jan 7, 2022
Instrument	1817/425

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Mortgage

Document Number	001817/606
Date	Jan 10, 2022
Book Page	1817/606
Instrument	202200000090

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Mar 9, 2021
Property Address	685 SPRING RD, MINERAL, VA 23117-4237
Document Number	001743/228
Book / Page	1743 / 228
Map Reference	MB 168 PG 30
Instrument Date	Mar 5, 2021
Instrument	202100002669
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	NOT AVAILABLE, LILLY TITLE & SETTLEMENT LLC

Transaction

Amount	Amount on Record
Tax	$106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24917 SUSSEX HWY, SEAFORD, DE 19973-8465

Tax Assessment & Valuation

The 2025 property tax bill for 685 Spring Rd was $2,487, up 8.2% from the year before.

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		$369,200 (+6.86%) Land $59,100 Building $310,100	$369,200 (+6.86%) Land $59,100 Building $310,100
2025	$2,487.00 (+8.18%)	$345,500 Land $49,100 Building $296,400	$345,500 Land $49,100 Building $296,400
2024	$2,299.00
2023		$284,800 Land $40,300 Building $244,500
2022	$240.00		$284,800 Land $40,300 Building $244,500

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

Flood

FEMA maps place 685 Spring Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 685 Spring Rd is low, with a 0.02% annual chance of 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 13 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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