1177 Fleet's Bay Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 1177 Fleet's Bay Rd, White Stone, VA 22578

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,220 sqft · built 1870
Lot Size	69.2 acres (3,014,788 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Oct 2023)
Tax Bill	$49 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29 45`

Property Details

APN / Parcel Number

Primary APN	`29 45`
Alternative APN	`8821`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,220 sqft Living Area
Gross Area	6,864 sqft
1st Floor Area	4,428 sqft
Basement Area	503 sqft
Finished Basement	375 sqft
Sunroom	Sunroom
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1959
Exterior Material	Other
Foundation Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	3,014,788 sqft (69.2 acres)
Garage Area	864 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Deck Area	1,376 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	8821
Street Address	1177 FLEETS BAY RD
City	WHITE STONE
State	VA
Zip	22578-2014
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R1
Legal Description	FLEETS BAY 69.21 AC LR23/1786+P
Legal Subdivision	FLEETS BAY
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	4
Census Block	4029
Census Tract	30200

Owner

1177 Fleet's Bay Rd, a rural home, is owned and occupied by an individual who bought it in October 2023.

Source: Lancaster County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 13, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 19, 2023	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2023 · Amount on File
Deed Sale	Oct 13, 2023 · Amount on File
Deed Document Number	20231786
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0000000670
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Recording Date	Sep 28, 2026
Property Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014
Document Number	0000002094
Instrument Date	Sep 23, 2026
Instrument	20262094
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014

Mortgage

Document Number	0000002094,
Date	Sep 28, 2026
Instrument	20262094

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002193
Date	Dec 27, 2023
Instrument	230002193

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.88%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 13, 2023
Property Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014
Document Number	0230001786
Instrument Date	Sep 29, 2023
Instrument	230001786
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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
Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014

April 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Apr 19, 2023
Property Address	1177 FLEETS BAY RD, WHITE STONE, VA 22578-2014
Document Number	0230000670
Instrument Date	Mar 31, 2023
Instrument	230000670
Transaction Type	Transfer
Record Updated	May 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7800 HILL RD, GRANITE BAY, CA 95746-9513

Tax Assessment & Valuation

The 2025 property tax bill for 1177 Fleet's Bay Rd was $49.

Source: Lancaster County assessment roll, as of May 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$49.00	$898,000 Land $467,700 Building $430,300	$898,000 Land $467,700 Building $430,300
2023	$4,512.00	$716,200 (-) Land $442,400 Building $273,800	$716,200 Land $442,400 Building $273,800
2022		$716,200 Land $442,400 Building $273,800
2021			$716,200 Land $442,400 Building $273,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1177 Fleet's Bay Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 4, 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 File median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	5 (2003–2018)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims 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

Wildfire risk around 1177 Fleet's Bay Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.03% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

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

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