103 Shore Ln, Kinsale, VA 22488 Property Records

Westmoreland County property record for 103 Shore Ln, Kinsale, VA 22488

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,070 sqft · built 1971
Lot Size	0.127 acres (5,554 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Jul 2016)
Tax Bill	$737 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49D-1-102`

Property Details

APN / Parcel Number

Primary APN	`49D-1-102`
Alternative APN	`2566`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,070 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,554 sqft (0.127 acres)
Porch	Patio

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	2566
Street Address	103 SHORE LN
City	KINSALE
State	VA
Zip	22488-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WM
Legal Description	SHANNON PARK BEACH LOTS 102 & 103DB 885 PG 13 947/632
Legal Subdivision	SHANNON PARK BCH
Legal Lot Number	102-103
Jurisdiction	WESTMORELAND VA
Township / Civil Division	COPLE
Census Block Group	2
Census Block	2015
Census Tract	10102

Owner

Source: Westmoreland County records, as of May 6, 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 SHORE LN, KINSALE, VA 22488-2014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Sep 8, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on Record
Deed Sale	Jul 1, 2016 · Amount on Record
Prior Sale	Oct 2, 2008 · Amount on Record
Deed Document Number	20168850013
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 27, 2026
Property Address	103 SHORE LN, KINSALE, VA 22488-2014
Document Number	1002002103
Book / Page	1002 / 2103
Instrument Date	Apr 20, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SHORE LN, KINSALE, VA 22488-2014

Mortgage

Document Number	1002002103,
Date	Apr 27, 2026
Book Page	1002/2103

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	103 SHORE LN, KINSALE, VA 22488-2014
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09461114
Date	Aug 12, 2021
Instrument	09461114

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

September 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Sep 8, 2021
Property Address	103 SHORE LN, KINSALE, VA 22488-2014
Document Number	09470632
Instrument Date	Sep 2, 2021
Instrument	09470632
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SHORE LN, KINSALE, VA 22488-2014

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of January 8, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$737.00 (+9.67%)	$108,500 (-) Land $18,500 Building $90,000	$108,500 (-) Land $18,500 Building $90,000
2023	$672.00	$108,500 Land $18,500 Building $90,000	$108,500 Land $18,500 Building $90,000

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 May 22, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 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
Flood Insurance Cost	Premium on Record median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2003–2021)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2021
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: All Points Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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