71 Cosner Rd, Louisa, VA 23093 Property Records

Louisa County property record for 71 Cosner Rd, Louisa, VA 23093

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 1,820 sqft · built 1988
Lot Size	14.9 acres (649,480 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Oct 2022)
Tax Bill	$3,335 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`66 11`

Property Details

APN / Parcel Number

Primary APN	`66 11`
Alternative APNs	`4708` `4565`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Basement Area	2,268 sqft
Finished Basement	2,268 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	649,480 sqft (14.9 acres)
Garage Area	728 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	467 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4565
Street Address	71 COSNER RD
City	LOUISA
State	VA
Zip	23093-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	3 CHOP RD DB 1868/936 14.91 AC
Legal Lot Number	1
Jurisdiction	LOUISA VA
Township / Civil Division	PATRICK HENRY
Census Block Group	1
Census Block	1019
Census Tract	950400

Owner

Source: Louisa County records, as of June 23, 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	71 COSNER RD, LOUISA, VA 23093-2834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Feb 6, 2023	Correction Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Oct 11, 2022	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Deed Document Number	202210258
Deed Book / Page	1868 / 936
Prior Transfer Date	Aug 29, 2006
Prior Transfer Doc	1024/0241
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	71 COSNER RD, LOUISA, VA 23093-2834
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	BAY COUNTY SETTLEMENTS INC, BAY COUNTY SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001887/62
Date	Mar 1, 2023
Book Page	1887/62
Instrument	202300001570

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2052

February 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LOUISA VA
Recording Date	Feb 6, 2023
Property Address	71 COSNER RD, LOUISA, VA 23093-2834
Document Number	001883/756
Book / Page	1883 / 756
Map Reference	MB 93 PG 477
Instrument Date	Jan 6, 2023
Instrument	202300000888
Record Updated	Feb 28, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 COSNER RD, LOUISA, VA 23093-2834

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOUISA VA
Recording Date	Oct 11, 2022
Property Address	71 COSNER RD, LOUISA, VA 23093-2834
Document Number	001868/936
Book / Page	1868 / 936
Map Reference	MB 93 PG 477
Instrument Date	Oct 4, 2022
Instrument	202200010258
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	TERRY TITLE, TERRYS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
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	71 COSNER RD, LOUISA, VA 23093-2834

Mortgage

Document Number	0001868940
Date	Oct 11, 2022
Instrument	1868/940

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

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		$495,200 (+6.89%) Land $110,100 Building $385,100	$495,200 (+6.89%) Land $110,100 Building $385,100
2025	$3,335.00 (+6.24%)	$463,300 (+14.2%) Land $87,600 Building $375,700	$463,300 (+14.2%) Land $87,600 Building $375,700
2024	$3,139.00 (+72.95%)
2023		$405,700 Land $90,700 Building $315,000
2022	$1,815.00		$405,700 Land $90,700 Building $315,000

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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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