176 Summers Ln, White Stone, VA 22578 Property Records

Lancaster County property record for 176 Summers Ln, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,157 sqft · built 1995
Lot Size	13 acres (566,716 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Jun 2020)
Tax Bill	$46 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`36 92`

Property Details

APN / Parcel Number

Primary APN	`36 92`
Alternative APN	`12849`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,157 sqft Living Area
Gross Area	6,152 sqft
1st Floor Area	2,157 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	566,716 sqft (13 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	270 sqft
Deck Area	452 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12849
Street Address	176 SUMMERS LN
City	WHITE STONE
State	VA
Zip	22578-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ISLAND 13.01 AC LR22/616 LR20/1205-P
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1001
Census Tract	30301

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	4905 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Intrafamily Transfer, Transfer
Jun 25, 2020	Special Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	20201205
Last Transfer Date	Mar 4, 2022
Transfer Doc	0000000616
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Mar 7, 2022
Property Address	176 SUMMERS LN, WHITE STONE, VA 22578-3110
Document Number	0220000616
Instrument Date	Mar 4, 2022
Instrument	220000616
Transaction Type	Transfer
Record Updated	Apr 20, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 34, WHITE STONE, VA 22578-0034

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 25, 2020
Property Address	176 SUMMERS LN, WHITE STONE, VA 22578-3110
Document Number	200001205
Instrument Date	Jun 16, 2020
Instrument	200001205
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	PO BOX 34, WHITE STONE, VA 22578-0034

Mortgage

Document Number	200001206
Date	Jun 25, 2020
Instrument	200001206

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$46.00 (-98.47%)	$851,200 (+78.71%) Land $381,000 Building $470,200	$851,200 (+78.71%) Land $381,000 Building $470,200
2023	$3,000.00	$476,300 Land $181,000 Building $295,300	$476,300 Land $181,000 Building $295,300

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 69 individual policies
Nearby Flood Policies	77 units insured incl. 8 condo units
Nearby Flood Claims	7 (2003–2024)
Most Recent Claim	Sep 2024 · tidal / storm surge
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 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 24 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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