845 Elnor Rd, Bumpass, VA 23024 Property Records

Louisa County property record for 845 Elnor Rd, Bumpass, VA 23024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,949 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$1,025,000 (Jul 2026)
Tax Bill	$7,832 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46G1 1 83`

Property Details

APN / Parcel Number

Primary APN	`46G1 1 83`
Alternative APNs	`21642` `20398`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,949 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,008 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	360 sqft
Patio Area	360 sqft
Boat House	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20398
Street Address	845 ELNOR RD
City	BUMPASS
State	VA
Zip	23024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CUCKOO'S NEST LOT 83 SEC II DB 1816/854 1.666 AC
Legal Subdivision	CUCKOO'S NEST
Legal Lot Number	83
Jurisdiction	LOUISA VA
Township / Civil Division	CUCKOO
Census Block Group	2
Census Block	2004
Census Tract	950101

Owner

845 Elnor Rd is owned by two individuals who bought it in July 2026.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	23665 AMESFIELD PL, ALDIE, VA 20105-4103
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed, Transfer · Conventional Mortgage COMMONWEALTH ONE FEDERAL CREDIT UNION
Nov 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 30, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage INTERCOASTAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Dec 30, 2021 · Amount on File
Deed Document Number	20266516
Deed Book / Page	2099 / 400
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LOUISA VA
Recording Date	Jul 13, 2026
Property Address	845 ELNOR RD, BUMPASS, VA 23024
Document Number	0000006516
Book / Page	2099 / 400
Instrument Date	Jun 30, 2026
Instrument	20266516
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	POTOMAC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,525.00
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	23665 AMESFIELD PL, ALDIE, VA 20105-4103

Mortgage

Document Number	0000006517,
Date	Jul 13, 2026
Instrument	20266517

Lender

Name	COMMONWEALTH ONE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	845 ELNOR RD, BUMPASS, VA 23024
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001926/810
Date	Nov 8, 2023
Book Page	1926/810
Instrument	202300009914

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2043

December 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LOUISA VA
Recording Date	Dec 30, 2021
Property Address	845 ELNOR RD, BUMPASS, VA 23024
Document Number	001816/854
Book / Page	1816 / 854
Map Reference	MB 8 PG 429-432
Instrument Date	Dec 24, 2021
Instrument	202100015758
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$859.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6826 VIDLET DRIVE, FREDERICKSBURG, VA 22407-6291
Investor	Possibly a Property Investor

Mortgage

Document Number	0001816859
Date	Dec 30, 2021
Instrument	1816/859

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Mortgage

Document Number	001816/878
Date	Dec 30, 2021
Book Page	1816/878
Instrument	202100015760

Lender

Name	SPECTRA FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22312

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 845 Elnor Rd was $7,832, up 13.3% 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		$1,182,062 (+8.67%) Land $300,000 Building $882,062	$1,182,062 (+8.67%) Land $300,000 Building $882,062
2025	$7,832.00 (+13.28%)	$1,087,800 Land $300,000 Building $787,800	$1,087,800 Land $300,000 Building $787,800
2024	$6,914.00
2023		$877,400 Land $247,200 Building $630,200
2022	$3,622.00		$877,400 Land $247,200 Building $630,200

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

Flood

FEMA maps place 845 Elnor Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 845 Elnor Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 61 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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