249 Ottoman Ferry Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 249 Ottoman Ferry Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,231 sqft · built 1955
Lot Size	1.81 acres (79,105 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Aug 2026)
Tax Bill	$13 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`25 202A`

Property Details

APN / Parcel Number

Primary APN	`25 202A`
Alternative APN	`6588`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,231 sqft Living Area
Gross Area	4,672 sqft
1st Floor Area	2,231 sqft
Basement Area	1,673 sqft
Finished Basement	1,255 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,105 sqft (1.81 acres)

Exterior Amenities

Porch	Slab
Porch Area	52 sqft
Shed	1 Shed
Shed Area	80 sqft
Lean-To	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6588
Street Address	249 OTTOMAN FERRY RD
City	LANCASTER
State	VA
Zip	22503-4043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	OTTOMAN 1.816 AC DB148/66 LR09/2325-P P#0052
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3015
Census Tract	30100

Owner

Source: Lancaster County records, as of August 18, 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 Record
Mailing Address	249 OTTOMAN FERRY RD, LANCASTER, VA 22503-4043
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE MORTGAGE
Jul 7, 2025	Bargain and Sale Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on Record
Deed Sale	Aug 4, 2026 · Amount on Record
Prior Sale	Jul 7, 2025 · Amount on Record
Deed Document Number	20261637
Record Updated	Sep 20, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 4, 2026
Property Address	249 OTTOMAN FERRY RD, LANCASTER, VA 22503-4043
Document Number	0000001637
Instrument Date	Jul 13, 2026
Instrument	20261637
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001638,
Date	Aug 4, 2026
Instrument	20261638

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LANCASTER VA
Recording Date	Jul 7, 2025
Property Address	249 OTTOMAN FERRY RD, LANCASTER, VA 22503-4043
Document Number	0250001450
Map Reference	DOC 90002325
Instrument Date	Jul 3, 2025
Instrument	250001450
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$239.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 OAK HILL RD, LANCASTER, VA 22503-4028

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	$13.00 (-98.57%)	$239,500 (+53.92%) Land $10,600 Building $228,900	$239,500 (+53.92%) Land $10,600 Building $228,900
2024	$907.00 (+56.38%)
2023	$580.00	$155,600 Land $10,600 Building $145,000	$155,600 Land $10,600 Building $145,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	4 in force
Nearby Flood Claims	7 (1985–2020)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2020
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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	0.02% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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