1095 Laurel Point Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 1095 Laurel Point Rd, Lancaster, VA 22503 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,435 sqft · built 1984
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Apr 2026)
Tax Bill	$21 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22A 1 44`

Property Details

APN / Parcel Number

Primary APN	`22A 1 44`
Alternative APN	`4745`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,435 sqft Living Area
Gross Area	5,423 sqft
1st Floor Area	2,435 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	74,052 sqft (1.7 acres)
Garage Area	768 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	91 sqft
Patio Area	462 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4745
Street Address	1095 LAUREL POINT RD
City	LANCASTER
State	VA
Zip	22503-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAUREL POINT 1.7 AC LR14/1100
Legal Subdivision	LAUREL POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1015
Census Tract	30200

Owner

Source: Lancaster County records · APN 22A 1 44

Assessment roll updated May 19, 2026 · Last verified May 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 File
Mailing Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage SONABANK
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Sep 30, 2014	Deed of Trust, Mortgage · Line of Credit EVB
Apr 13, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Jul 25, 2014 · Amount on Record
Deed Document Number	2026666
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000255
Date	Feb 12, 2018
Instrument	180000255

Lender

Name	SONABANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000465
Date	Mar 20, 2024
Instrument	240000465

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01400/1423
Date	Sep 30, 2014
Book Page	1400/1423

Lender

Name	EVB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2044

Interest

Rate Type	Adjustable Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Apr 13, 2026
Property Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335
Document Number	0000000666
Instrument Date	Mar 24, 2026
Instrument	2026.666
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$44,440.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1095 LAUREL POINT RD, LANCASTER, VA 22503-2335

Mortgage

Document Number	0000000667,
Date	Apr 13, 2026
Instrument	2026..667

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21.00 (-98.58%)	$385,000 (+63.34%) Land $24,200 Building $360,800	$385,000 (+63.34%) Land $24,200 Building $360,800
2023	$1,484.00	$235,700 Land $42,500 Building $193,200	$235,700 Land $42,500 Building $193,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030302001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1985–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2010, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,571 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Virginia Everywhere	Fiber	1,000 / 1,000
Cogeco Cable Holdings II	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Laurel Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures