228 Summit St, Lexington, VA 24450 Property Records

Lexington City property record for 228 Summit St, Lexington, VA 24450

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1933
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,459 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30 4 F 1`

Property Details

APN / Parcel Number

Primary APN	`30 4 F 1`
Alternative APN	`2135`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	1,152 sqft
Flooring	Ceramic Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1933
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	6,098 sqft (0.14 acres)
Terrain	Rolling
Porch	Slab
Porch Area	192 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2135
Street Address	228 SUMMIT ST
City	LEXINGTON
State	VA
Zip	24450-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 1 BK F 228 SUMMIT ST INST #220001355
Legal Lot Number	1
Jurisdiction	LEXINGTON CITY VA
Township / Civil Division	LEXINGTON
Census Block Group	3
Census Block	3020
Census Tract	930501

Owner

Source: Lexington City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	228 SUMMIT ST, LEXINGTON, VA 24450-2422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · FHA Mortgage TRUST BANK
Apr 26, 2022	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 21, 2006
Transfer Doc	0000003026
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON CITY VA
Recording Date	Jun 29, 2026
Property Address	228 SUMMIT ST, LEXINGTON, VA 24450-2422
Document Number	0000001694
Book / Page	39
Instrument Date	Jun 29, 2026
Instrument	20261694
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3036 BEACON DR, ROANOKE, VA 24018-4925

Mortgage

Document Number	0000001694,
Date	Jun 29, 2026
Book Page	39/39
Instrument	20261694

Lender

Name	TRUST BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LEXINGTON CITY VA
Recording Date	Apr 26, 2022
Property Address	228 SUMMIT ST, LEXINGTON, VA 24450-2422
Document Number	0220001355
Map Reference	CAB 3 SL 231
Instrument Date	Apr 7, 2022
Instrument	220001355
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
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	228 SUMMIT ST, LEXINGTON, VA 24450-2422

Mortgage

Document Number	0220001356
Date	Apr 26, 2022
Instrument	220001356

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

Source: Lexington City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Lexington City
Elementary School District	Lexington City Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,459.00	$225,400 (+65.86%) Land $35,000 Building $190,400	$225,400 (+65.92%) Land $35,000 Building $190,400
2025		$135,900 (+0.04%) Land $35,000 Building $100,900
2023		$135,851 Land $35,000 Building $100,851	$135,851 (-0.04%) Land $35,000 Building $100,851
2022			$135,900 Land $35,000 Building $100,900

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 August 7, 2006

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Water System	CITY OF LEXINGTON serves 7,500 people · EPA ID VA2678375
Water Source	Purchased surface water from MAURY SERVICE AUTHORITY
Last State Inspection	Dec 2024
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: BARC Connects.

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