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183 Towles Point Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 183 Towles Point Rd, Lancaster, VA 22503

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,002 sqft · built 1965
Lot Size0.8 acres (34,848 sqft)
Owner2 Trust Names on File
Last Sale$478,000 (Apr 2016)
Tax Bill$34 (2025)
Deeds & MortgagesSep 2026 Transfer
Dec 2020 Refinance
Flood ZoneZone AE (high risk)
APN31 48C

Property Details

APN / Parcel Number

Primary APN31 48C
Alternative APN
  • 9502

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,002 sqft Living Area
Gross Area3,240 sqft
1st Floor Area2,002 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1982
Exterior MaterialVinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area34,848 sqft (0.8 acres)
Garage Area840 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area88 sqft
Shed1 Shed
Shed Area352 sqft
Boat House220 sqft
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceWell

Location & Zoning

Account Number9502
Street Address183 TOWLES POINT RD
CityLANCASTER
StateVA
Zip22503-4321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA2
Legal DescriptionCHOWNINGS FERRY .80 AC LR16/691
Legal SubdivisionCHOWNINGS FERRY
JurisdictionLANCASTER VA
Township / Civil Division1
Census Block Group4
Census Block4008
Census Tract30100

Owner

183 Towles Point Rd is owner-occupied and held in a trust since September 2026.

Source: Lancaster County records, as of September 22, 2026

Owner of Record2 Trust Names on File
Mailing Address183 TOWLES POINT RD, LANCASTER, VA 22503-4321
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

DateDocument
Sep 9, 2026Gift Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 2, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 29, 2016 · Amount on File
Deed SaleApr 29, 2016 · Amount on File
Deed Document Number2016691
Last Transfer DateSep 4, 2026
Transfer Doc0000001952
Record UpdatedOct 29, 2026

September 2026: Gift Deed, Transfer

Document TypeGift Deed
JurisdictionLANCASTER VA
Recording DateSep 9, 2026
Property Address183 TOWLES POINT RD, LANCASTER, VA 22503-4321
Document Number0000001952
Instrument DateSep 4, 2026
Instrument20261952
Transaction TypeTransfer
Record UpdatedSep 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address183 TOWLES POINT RD, LANCASTER, VA 22503-4321

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER VA
Property Address183 TOWLES POINT RD, LANCASTER, VA 22503-4321
Transaction TypeMortgage
Record UpdatedDec 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0200002766
DateDec 2, 2020
Instrument200002766
Lender
NameQUICKEN LOANS LLC
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term360 Months
DueDec 1, 2050
Interest
Rate TypeFixed Rate
Rate2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 183 Towles Point Rd was $34.

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

Property Jurisdictions

TypeName
StateVirginia
CountyLancaster County
Unified School DistrictLancaster County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$34.00$622,400 Land $220,000 Building $402,400$622,400 Land $220,000 Building $402,400
2023$2,886.00$458,200 Land $120,000 Building $338,200$458,200 Land $120,000 Building $338,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 183 Towles Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation5.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 47 policies
Nearby Flood Policies47 in force
Nearby Flood Claims28 (1998–2018)
Claims Outside the SFHA4 of 28
Most Recent ClaimNov 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

Wildfire risk around 183 Towles Point Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 6 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
All Points Broadband
Fiber		1,000 / 1,000
Virginia Broadband
Fixed Wireless · not low latency		100 / 25
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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