103 Pines Ln, Shipman, VA 22971 Property Records

Nelson County property record for 103 Pines Ln, Shipman, VA 22971

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1989
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$186,500 (Jul 2021)
Tax Bill	$1,157 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`68 10 3`

Property Details

APN / Parcel Number

Primary APN	`68 10 3`
Alternative APN	`12658`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Terrain	Rolling
Deck Area	72 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	12658
Street Address	103 PINES LN
City	SHIPMAN
State	VA
Zip	22971-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTREAL VILLAGE DB 281-9
Jurisdiction	NELSON VA
Township / Civil Division	SOUTH
Census Block Group	2
Census Block	2022
Census Tract	950102

Owner

Source: Nelson County records, as of June 26, 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	103 PINES LN, SHIPMAN, VA 22971-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage ATLANTIC BAY MORTGAGE GROUP
Jul 28, 2021	Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Nov 28, 2011 · Amount on Record
Deed Document Number	20212763
Prior Transfer Date	Aug 11, 2006
Prior Transfer Doc	0000003428
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	103 PINES LN, SHIPMAN, VA 22971-2349
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202102765
Date	Jul 28, 2021
Instrument	202102765

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Jul 28, 2021
Property Address	103 PINES LN, SHIPMAN, VA 22971-2349
Document Number	0202102763
Instrument Date	Jul 27, 2021
Instrument	202102763
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	103 PINES LN, SHIPMAN, VA 22971-2349

Mortgage

Document Number	0202102764
Date	Jul 28, 2021
Instrument	202102764

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,157.00 (-3.82%)	$206,700 (+11.61%) Land $30,000 Building $176,700	$206,700 (+11.61%) Land $30,000 Building $176,700
2025		$185,200 (-) Land $25,000 Building $160,200	$185,200 (-) Land $25,000 Building $160,200
2023	$1,203.00	$185,200 Land $25,000 Building $160,200	$185,200 Land $25,000 Building $160,200

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 August 4, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 42% of the US · above 69% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NCSA - LOVINGSTON serves 2,493 people · EPA ID VA2125325
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	112 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: Nelson County Cablevision.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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