13126 River Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 13126 River Rd, Lancaster, VA 22503

Property Summary

Property Type	Mixed Use Commercial/Industrial
Details	4 bd · 2 ba · 1,848 sqft · built 1941
Lot Size	3.03 acres (131,987 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Feb 2017)
Tax Bill	$11 (2025)
Deeds & Mortgages	Sep 2009 Line of Credit Nov 2015 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31 40`

Property Details

APN / Parcel Number

Primary APN	`31 40`
Alternative APN	`9486`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	2,772 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	131,987 sqft (3.03 acres)
Garage Area	1,500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	528 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Other
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9486
Street Address	13126 RIVER RD
City	LANCASTER
State	VA
Zip	22503-4232
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Commercial/Industrial
Local Zoning Code	R1
Legal Description	NR BERTRAND 3.03 AC LR17/220
Legal Subdivision	BERTRAND
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4008
Census Tract	30100

Owner

Source: Lancaster County records, as of May 19, 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	431 BELMONT DR, LANCASTER, VA 22503-3742
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2009	Deed of Trust, Mortgage · Line of Credit EVB
Nov 10, 2015	Deed of Trust, Mortgage · Line of Credit EVB
Feb 14, 2017	Deed of Trust, Mortgage · FmHA Mortgage COLONIAL FARM CREDIT ACA
Feb 3, 2017	Trustee's Deed, Foreclosure · FmHA Mortgage COLONIAL FARM CREDIT ACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2017 · Amount on Record
Deed Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	2017220
Record Updated	Jun 8, 2026

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	13126 RIVER RD, LANCASTER, VA 22503-4232
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00900/2345
Date	Sep 28, 2009
Book Page	900/2345

Lender

Name	EVB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 21, 2034

Interest

Rate Type	Adjustable Rate

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	13126 RIVER RD, LANCASTER, VA 22503-4232
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0150001812
Date	Nov 10, 2015
Instrument	150001812

Lender

Name	EVB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	May 3, 2016

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	13126 RIVER RD, LANCASTER, VA 22503-4232
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000293
Date	Feb 14, 2017
Instrument	170000293

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	FmHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LANCASTER VA
Recording Date	Feb 3, 2017
Property Address	13126 RIVER RD, LANCASTER, VA 22503-4232
Document Number	0170000220
Instrument Date	Feb 2, 2017
Instrument	170000220
Transaction Type	Foreclosure
Record Updated	May 19, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BELMONT DR, LANCASTER, VA 22503-3742

Mortgage

Document Number	0170000221
Date	Feb 3, 2017
Instrument	170000221

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	FmHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0170000293
Date	Feb 14, 2017
Instrument	170000293

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	FmHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$11.00 (-98.73%)	$211,200 (+53.38%) Land $27,300 Building $183,900	$211,200 (+53.38%) Land $27,300 Building $183,900
2023	$867.00	$137,700 Land $27,300 Building $110,400	$137,700 Land $27,300 Building $110,400

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 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 Record median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	28 (1998–2018)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Nov 2018 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 14 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	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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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