2448 Ocran Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 2448 Ocran Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,578 sqft · built 1920
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on Record
Tax Bill	$23 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Apr 2022 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`35 75A`

Property Details

APN / Parcel Number

Primary APN	`35 75A`
Alternative APN	`11971`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,578 sqft Living Area
Gross Area	2,138 sqft
1st Floor Area	1,978 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,689 sqft (0.98 acres)

Exterior Amenities

Porch	Patio
Porch Area	36 sqft
Deck Area	20 sqft
Shed	1 Shed
Shed Area	120 sqft
Storage Building	216 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11971
Street Address	2448 OCRAN RD
City	WHITE STONE
State	VA
Zip	22578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OCRAN .98 AC LR19/1955
Legal Subdivision	OCRAN
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2014
Census Tract	30301

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	318 PERRY ST, RALEIGH, NC 27608-2422
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NATIONAL ASSOCIATION
Apr 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NATIONAL ASSOCIATION
Nov 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 19, 2019
Transfer Doc	0000001955
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2448 OCRAN RD, WHITE STONE, VA 22578
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001956
Date	Nov 26, 2019
Instrument	190001956

Lender

Name	US BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2448 OCRAN RD, WHITE STONE, VA 22578
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001032
Date	Apr 20, 2022
Instrument	220001032

Lender

Name	US BANK NATIONAL ASSOCIATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	118 Months
Due	Feb 1, 2032

Interest

Rate Type	Fixed Rate

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Nov 26, 2019
Property Address	2448 OCRAN RD, WHITE STONE, VA 22578
Document Number	190001955
Instrument Date	Nov 19, 2019
Instrument	190001955
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2448 OCRAN RD, WHITE STONE, VA 22578

Mortgage

Document Number	0190001956
Date	Nov 26, 2019
Instrument	190001956

Lender

Name	US BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

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	$23.00 (-99.09%)	$418,600 (+4.86%) Land $250,000 Building $168,600	$418,600 (+4.86%) Land $250,000 Building $168,600
2023	$2,514.00	$399,200 Land $240,000 Building $159,200	$399,200 Land $240,000 Building $159,200

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 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

Nearby Properties on Ocran Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures