851 Pine Harbour Dr, Mineral, VA 23117 Property Records

Louisa County property record for 851 Pine Harbour Dr, Mineral, VA 23117

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,626 sqft · built 2022
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Jul 2017)
Tax Bill	$5,047 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`30D 1 22`

Property Details

APN / Parcel Number

Primary APN	`30D 1 22`
Alternative APNs	`15342` `14825`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,626 sqft Living Area
1st Floor Area	2,110 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	14825
Street Address	851 PINE HARBOUR DR
City	MINERAL
State	VA
Zip	23117-4663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PINE HARBOUR SUBD SECTION 1 LOT 22 DB 1789/569 0.92 AC
Legal Subdivision	PINE HARBOUR SUBD
Legal Lot Number	22
Jurisdiction	LOUISA VA
Township / Civil Division	CUCKOO
Census Block Group	3
Census Block	3016
Census Tract	950202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	525 E GRACE ST, 405, RICHMOND, VA 23219-1867
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST BANK & TRUST CO
Sep 3, 2021	Gift Deed, Transfer · Construction Mortgage THE FIRST BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on Record
Deed Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	20175998
Deed Book / Page	1518 / 642
Last Transfer Date	Aug 31, 2021
Transfer Doc	001789/569
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOUISA VA
Property Address	851 PINE HARBOUR DR, MINERAL, VA 23117-4663
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001879/910
Date	Dec 29, 2022
Book Page	1879/910
Instrument	202300000037

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank
Address	BRISTOL, TN 37620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	4.99%
Max Rate At Change	8.99%
Index	1-Year T-Bill
Max Rate	14%

September 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LOUISA VA
Recording Date	Sep 3, 2021
Property Address	851 PINE HARBOUR DR, MINERAL, VA 23117-4663
Document Number	001789/569
Book / Page	1789 / 569
Map Reference	MB 7 PG 197
Instrument Date	Aug 31, 2021
Instrument	202100010849
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	525 E GRACE ST APT 405, 405, RICHMOND, VA 23219-1867

Mortgage

Document Number	0001789572
Date	Sep 3, 2021
Instrument	1789/572

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Aug 30, 2022

Tax Assessment & Valuation

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		$814,800 (+16.22%) Land $47,500 Building $767,300	$814,800 (+16.22%) Land $47,500 Building $767,300
2025	$5,047.00 (+11.24%)	$701,100 (+11.02%) Land $42,000 Building $659,100	$701,100 (+11.02%) Land $42,000 Building $659,100
2024	$4,537.00 (+1,925.45%)
2023		$631,500 Land $34,500 Building $597,000
2022	$224.00		$631,500 Land $34,500 Building $597,000

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	0.01% 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 67 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

Cell Coverage

5G (outdoors only) and 4G LTE

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