263 E Bay Dr, White Stone, VA 22578 Property Records

Lancaster County property record for 263 E Bay Dr, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,106 sqft · built 2021
Lot Size	0.81 acres (35,284 sqft)
Owner	2 Company Names on File
Tax Bill	$32 (2025)
Deeds & Mortgages	Oct 2025 Transfer Feb 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29B 111 17`

Property Details

APN / Parcel Number

Primary APN	`29B 111 17`
Alternative APN	`9094`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,106 sqft Living Area
Gross Area	4,419 sqft
1st Floor Area	2,106 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,284 sqft (0.81 acres)
Garage Area	896 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	207 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9094
Street Address	263 E BAY DR
City	WHITE STONE
State	VA
Zip	22578-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	DYMER SHORE EST .81 AC LOTS 15 & 16 LR03/4473 LR19/1923-P P#0866
Legal Subdivision	DYMER SHORE EST
Legal Lot Number	15,16
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2014
Census Tract	30301

Owner

Source: Lancaster County records · APN 29B 111 17

Assessment roll updated May 19, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	263 E BAY DR, WHITE STONE, VA 22578-2113
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Gift Deed, Transfer
Feb 01, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 04, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 22, 2025
Transfer Doc	0000002322
Record Updated	Jun 08, 2026

October 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 27, 2025
Property Address	263 E BAY DR, WHITE STONE, VA 22578-2113
Document Number	0250002322
Instrument Date	Oct 22, 2025
Instrument	250002322
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	263 E BAY DR, WHITE STONE, VA 22578-2113

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	263 E BAY DR, WHITE STONE, VA 22578-2113
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000213
Date	Feb 01, 2024
Instrument	240000213

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2044

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	263 E BAY DR, WHITE STONE, VA 22578-2113
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002500
Date	Nov 04, 2020
Instrument	200002500

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	12 Months
Due	Nov 01, 2021

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2020

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$32.00 (-98.74%)	$599,600 (+49.01%) Land $85,000 Building $514,600	$599,600 (+49.01%) Land $85,000 Building $514,600
2023	$2,535.00	$402,400 Land $80,000 Building $322,400	$402,400 Land $80,000 Building $322,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50

May also be available: Verizon.

Based on FCC filings for 38 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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