115 Settlement Dr, Lynchburg, VA 24502 Property Records

Lynchburg City property record for 115 Settlement Dr, Lynchburg, VA 24502

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 997 sqft · built 1991
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Tax Bill	$1,869 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2022 Line of Credit + 1 more
APN	`253 15 010`

Property Details

APN / Parcel Number

Primary APN	`253 15 010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	997 sqft Living Area

Exterior

Year Built	Built 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Width	176 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	115 SETTLEMENT DR
City	LYNCHBURG
State	VA
Zip	24502-2668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SETTLEMENT ESTATES, LOT 10
Legal Subdivision	SETTLEMENT ESTATES
Legal Lot Number	10
Jurisdiction	LYNCHBURG CITY VA
Township / Civil Division	LYNCHBURG
Census Block Group	4
Census Block	4011
Census Tract	1700

Owner

Source: Lynchburg City records, as of October 3, 2025

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
Co-owner	Co-owner on Record
Mailing Address	115 SETTLEMENT DR, LYNCHBURG, VA 24502-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 22, 2024
Transfer Doc	0240002927
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNCHBURG CITY VA
Property Address	115 SETTLEMENT DR, LYNCHBURG, VA 24502-2668
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SETTLEMENT DR, LYNCHBURG, VA 24502-2668

Mortgage

Document Number	0250005911
Date	Sep 15, 2025
Instrument	250005911

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNCHBURG CITY VA
Property Address	115 SETTLEMENT DR, LYNCHBURG, VA 24502-2668
Transaction Type	Mortgage
Record Updated	Dec 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220009116
Date	Dec 7, 2022
Instrument	220009116

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNCHBURG CITY VA
Property Address	115 SETTLEMENT DR, LYNCHBURG, VA 24502-2668
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210008288
Date	Sep 17, 2021
Instrument	210008288

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lynchburg City assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Lynchburg City
Unified School District	Lynchburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,869.00 (+317.19%)	$222,500 (+10.37%) Land $37,000 Building $185,500	$222,500 (+10.37%) Land $37,000 Building $185,500
2023	$448.00	$201,600 Land $37,000 Building $164,600	$201,600 Land $37,000 Building $164,600

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	Aug 2018 · other causes

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 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.

Drinking Water

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

Water System	CAMPBELL COUNTY CENTRAL SYSTEM serves 21,761 people · EPA ID VA5031150
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	10 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber · Cable in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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