2164 Ocran Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 2164 Ocran Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,170 sqft · built 1920
Lot Size	2.44 acres (106,286 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Jul 2023)
Tax Bill	$40 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35 72`

Property Details

APN / Parcel Number

Primary APN	`35 72`
Alternative APN	`11958`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,170 sqft Living Area
Gross Area	4,797 sqft
1st Floor Area	4,174 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	106,286 sqft (2.44 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	176 sqft
Deck Area	80 sqft
Patio Area	100 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11958
Street Address	2164 OCRAN RD
City	WHITE STONE
State	VA
Zip	22578-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	POPLAR NECK 2.44 AC LR23/1224 LR07/3046-P PC7/162C
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 14, 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	2164 OCRAN RD, WHITE STONE, VA 22578-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Jul 14, 2023	Special Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Aug 23, 2007 · Amount on Record
Deed Document Number	20231224
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2164 OCRAN RD, WHITE STONE, VA 22578-2217
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001736
Date	Oct 6, 2023
Instrument	230001736

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jul 14, 2023
Property Address	2164 OCRAN RD, WHITE STONE, VA 22578-2217
Document Number	0230001224
Instrument Date	Jul 10, 2023
Instrument	230001224
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	2164 OCRAN RD, WHITE STONE, VA 22578-2217

Mortgage

Document Number	0230001225
Date	Jul 14, 2023
Instrument	230001225

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2028
Change Frequency	5 Years

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	$40.00 (-98.76%)	$739,000 (+44.28%) Land $254,400 Building $484,600	$739,000 (+44.28%) Land $254,400 Building $484,600
2023	$3,226.00	$512,200 (-) Land $249,400 Building $262,800	$512,200 (-) Land $249,400 Building $262,800
2022		$512,200 Land $249,400 Building $262,800
2021			$512,200 Land $249,400 Building $262,800

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 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	0.01% 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 28 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

Cell Coverage

5G (outdoors only) and 4G LTE

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