1782 Ocran Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 1782 Ocran Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,592 sqft · built 1910
Lot Size	3.69 acres (160,911 sqft)
Owner	2 Company Names on Record
Tax Bill	$9 (2025)
Deeds & Mortgages	Aug 2026 Transfer Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35 101I`

Property Details

APN / Parcel Number

Primary APN	`35 101I`
Alternative APN	`12049`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,592 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	2,340 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Slate
Lot Area	160,911 sqft (3.69 acres)

Exterior Amenities

Porch	Patio
Porch Area	430 sqft
Deck Area	48 sqft
Storage Building	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12049
Street Address	1782 OCRAN RD
City	WHITE STONE
State	VA
Zip	22578-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	POPLAR NECK 3.694 AC LR23/1745
Legal Subdivision	POPLAR NECK
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2014
Census Tract	30301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1782 OCRAN RD, WHITE STONE, VA 22578-2206
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Oct 6, 2023	Intrafamily Transfer, Transfer
Apr 10, 2020	Deed of Trust, Mortgage · ARM VIRGINIA COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 26, 2023
Transfer Doc	0000001745
Record Updated	Oct 29, 2026

August 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 18, 2026
Property Address	1782 OCRAN RD, WHITE STONE, VA 22578-2206
Document Number	0000001731
Instrument Date	Aug 17, 2026
Instrument	20261731
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1782 OCRAN RD, WHITE STONE, VA 22578-2206

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Oct 6, 2023
Property Address	1782 OCRAN RD, WHITE STONE, VA 22578-2206
Document Number	0230001745
Instrument Date	Sep 26, 2023
Instrument	230001745
Transaction Type	Transfer
Record Updated	Nov 1, 2023

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	PO BOX 762, KILMARNOCK, VA 22482-0762

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1782 OCRAN RD, WHITE STONE, VA 22578-2206
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	AMERICAN TITLE LANCASTER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000685
Date	Apr 10, 2020
Instrument	200000685

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027

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	$9.00 (-98.75%)	$174,700 (+52.44%) Land $34,600 Building $140,100	$174,700 (+52.44%) Land $34,600 Building $140,100
2023	$721.00	$114,600 (-) Land $34,600 Building $80,000	$114,600 (-) Land $34,600 Building $80,000
2022		$114,600 Land $34,600 Building $80,000
2021			$114,600 Land $34,600 Building $80,000

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 174 individual policies
Nearby Flood Policies	190 units insured incl. 16 condo units
Nearby Flood Claims	28 (2003–2023)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 4 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: All Points Broadband.

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