26 Clover Ln, Montross, VA 22520 Property Records

Westmoreland County property record for 26 Clover Ln, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,455 sqft · built 1972
Owner	Individual Name on Record
Last Sale	$159,500 (Dec 2018)
Tax Bill	$1,329 (2025)
Deeds & Mortgages	Jul 2021 Refinance Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34A1-2-7`

Property Details

APN / Parcel Number

Primary APN	`34A1-2-7`
Alternative APN	`19870`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,455 sqft Living Area
Basement Area	1,815 sqft
Finished Basement	600 sqft
Unfinished Basement	1,215 sqft
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Concrete Block
Foundation Type	Mud Sill
Roof Material	Composition Shingle
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	552 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	19870
Old Parcel Number	34A1-2-7
Street Address	26 CLOVER LN
City	MONTROSS
State	VA
Zip	22520-2764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	MABEL J HARRIS SUB LOT 7DB 914 PG 1394
Legal Subdivision	MABEL J HARRIS
Legal Lot Number	7
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	2
Census Block	2010
Census Tract	10200

Owner

Source: Westmoreland County records, as of January 7, 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	26 CLOVER LN, MONTROSS, VA 22520-2764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	0009141394
Deed Book / Page	914 / 1394
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	26 CLOVER LN, MONTROSS, VA 22520-2764
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009450896
Date	Jul 12, 2021
Instrument	09450896

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 27, 2018
Property Address	26 CLOVER LN, MONTROSS, VA 22520-2764
Document Number	0009141394
Instrument Date	Dec 20, 2018
Instrument	09141394
Transaction Type	Transfer
Record Updated	Jan 13, 2022
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	26 CLOVER LN, MONTROSS, VA 22520-2764

Mortgage

Document Number	0009141397
Date	Dec 27, 2018
Instrument	09141397

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Municipality	Montross Town
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,329.00 (+12.82%)	$195,500 (+2.84%) Land $26,800 Building $168,700	$195,500 (+2.84%) Land $26,800 Building $168,700
2023	$1,178.00	$190,100 Land $26,800 Building $163,300	$190,100 Land $26,800 Building $163,300

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 May 22, 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	1 in force

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.

Drinking Water

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

Water System	TOWN OF MONTROSS serves 1,163 people · EPA ID VA4193680
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 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	1 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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