257 Echo Ln, Stanardsville, VA 22973 Property Records

Greene County property record for 257 Echo Ln, Stanardsville, VA 22973

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,662 sqft · built 1920
Lot Size	15.5 acres (675,616 sqft)
Owner	Individual Name on File
Last Sale	$492,000 (Sep 2020)
Tax Bill	$4,327 (2026)
Deeds & Mortgages	May 2013 Mortgage Feb 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20 A 1`

Property Details

APN / Parcel Number

Primary APN	`20 A 1`
Alternative APN	`4531`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,662 sqft Total Area
Basement Area	794 sqft
Finished Basement	386 sqft
Unfinished Basement	408 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1989
Architectural Style	Modern
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	675,616 sqft (15.5 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	4531
Street Address	257 ECHO LN
City	STANARDSVILLE
State	VA
Zip	22973-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	MIDDLE RIVER 15.51 AC
Jurisdiction	GREENE VA
Township / Civil Division	STANARDSVILLE
Census Block Group	1
Census Block	1024
Census Tract	30101

Owner

Source: Greene County records, as of June 29, 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	Individual Name on File
Mailing Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2013	Deed of Trust, Mortgage · ARM CAPITAL ONE NA
Feb 26, 2007	Deed of Trust, Mortgage · ARM CHEVY CHASE BANK FSB
Jun 20, 2016	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Oct 3, 2006	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 10, 2020	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Deed Document Number	20202468
Record Updated	Sep 20, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE VA
Property Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000403/281
Date	May 31, 2013
Book Page	0403/281
Instrument	2013-00001590

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2018
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE VA
Property Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001079/175
Date	Feb 26, 2007
Book Page	1079/175
Instrument	2007-00000662

Lender

Name	CHEVY CHASE BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year CMT
Max Rate	12.2%

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE VA
Property Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001502/207
Date	Jun 20, 2016
Book Page	1502/207
Instrument	001380

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2046

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE VA
Property Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001050/152
Date	Oct 3, 2006
Book Page	1050/152
Instrument	2006-00004172

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	BALTIMORE, MD 21297

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2016

Interest

Rate	6.25%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	GREENE VA
Recording Date	Sep 10, 2020
Property Address	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Document Number	0200002468
Map Reference	CARD 5403
Instrument Date	Sep 8, 2020
Instrument	200002468
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$492.00
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	257 ECHO LN, STANARDSVILLE, VA 22973-2226
Investor	Possibly a Property Investor

Mortgage

Document Number	0200002469
Date	Sep 10, 2020
Instrument	200002469

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Greene County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Greene County
Unified School District	Greene County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,327.00	$618,200 Land $173,300 Building $444,900	$618,200 Land $173,300 Building $444,900

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 March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	7 (1996–2018)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Jun 2018 · other causes

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 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.06% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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