2105 Laurel Point Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 2105 Laurel Point Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,682 sqft · built 1992
Lot Size	3.24 acres (141,178 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Sep 2019)
Tax Bill	$25 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22A 1 46`

Property Details

APN / Parcel Number

Primary APN	`22A 1 46`
Alternative APN	`4750`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,682 sqft Living Area
Gross Area	6,404 sqft
1st Floor Area	3,674 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	141,178 sqft (3.24 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	125 sqft
Deck Area	339 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	4750
Street Address	2105 LAUREL POINT RD
City	LANCASTER
State	VA
Zip	22503-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAUREL POINT 3.2407 AC LR19/1427 P#0852
Legal Subdivision	LAUREL POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1015
Census Tract	30200

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	PO BOX 706, KILMARNOCK, VA 22482-0706
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2017	Deed of Trust, Mortgage · ARM AMERICAN ADVISORS GROUP
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	20191427
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2105 LAUREL POINT RD, LANCASTER, VA 22503-2302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170002033
Date	Oct 26, 2017
Instrument	170002033

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.66%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2018
Margin	2

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Sep 6, 2019
Property Address	2105 LAUREL POINT RD, LANCASTER, VA 22503-2302
Document Number	190001427
Instrument Date	Aug 29, 2019
Instrument	190001427
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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 706, KILMARNOCK, VA 22482-0706

Mortgage

Document Number	190001428
Date	Sep 6, 2019
Instrument	190001428

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

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	$25.00 (-98.54%)	$456,500 (+67.52%) Land $33,400 Building $423,100	$456,500 (+67.52%) Land $33,400 Building $423,100
2023	$1,716.00	$272,500 Land $47,800 Building $224,700	$272,500 Land $47,800 Building $224,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1985–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2010 · rainfall accumulation

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAUREL POINT private · serves 78 people · EPA ID VA4103750
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: All Points Broadband, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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