189 Vale Ln, Lancaster, VA 22503 Property Records

Lancaster County property record for 189 Vale Ln, Lancaster, VA 22503 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,080 sqft · built 1980
Lot Size	2.44 acres (106,678 sqft)
Owner	2 Individual Names on File
Last Sale	$526,000 (Jul 2025)
Tax Bill	$29 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20G 3 16`

Property Details

APN / Parcel Number

Primary APN	`20G 3 16`
Alternative APN	`3919`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	4,035 sqft
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Finished Basement	1,792 sqft
Unfinished Basement	1,792 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	106,678 sqft (2.44 acres)
Garage Area	624 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	128 sqft
Patio Area	35 sqft
Shed	1 Shed
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3919
Street Address	189 VALE LN
City	LANCASTER
State	VA
Zip	22503-3830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENVALE 2.449 AC LR06/2557
Legal Subdivision	GREENVALE
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4011
Census Tract	30100

Owner

Source: Lancaster County records · APN 20G 3 16

Assessment roll updated May 19, 2026 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	189 VALE LN, LANCASTER, VA 22503-3830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2025 · Amount on Record
Deed Sale	Jul 01, 2025 · Amount on Record
Deed Document Number	20251407
Deed Book / Page	1
Record Updated	Jun 08, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Jul 01, 2025
Property Address	189 VALE LN, LANCASTER, VA 22503-3830
Document Number	0250001407
Instrument Date	Jun 27, 2025
Instrument	250001407
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$543.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	189 VALE LN, LANCASTER, VA 22503-3830

Mortgage

Document Number	0250001408
Date	Jul 01, 2025
Instrument	250001408

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2055

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29.00 (-98.69%)	$543,500 (+54.54%) Land $94,200 Building $449,300	$543,500 (+54.54%) Land $94,200 Building $449,300
2023	$2,215.00	$351,700 Land $89,200 Building $262,500	$351,700 Land $89,200 Building $262,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030301004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 47 individual NFIP policies nearby
Nearby Flood Policies	47 in force 14 of 47 on primary residences
Nearby Flood Claims	28 (1998–2018)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Nov 2018, other causes
Flood Events	Tropical Depression Ernesto, Severe Storms And Flooding (Sep 2006), 10 claims Hurricane Isabel (Sep 2003), 14 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach

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.