2957 White Chapel Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 2957 White Chapel Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,032 sqft · built 1956
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Mar 2018)
Tax Bill	$6 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14A 4 39`

Property Details

APN / Parcel Number

Primary APN	`14A 4 39`
Alternative APN	`1679`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	1,032 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	120 sqft
Canopy	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	1679
Street Address	2957 WHITE CHAPEL RD
City	LANCASTER
State	VA
Zip	22503-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LIVELY .28 AC LR18/394
Legal Subdivision	GAZELLE SHELTON PROP
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3001
Census Tract	30100

Owner

2957 White Chapel Rd is owned and occupied by an individual who bought it in March 2018.

Source: Lancaster County records, as of October 20, 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	2957 WHITE CHAPEL RD, LANCASTER, VA 22503-2606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2018 · Amount on File
Deed Sale	Mar 5, 2018 · Amount on File
Prior Sale	Dec 27, 2016 · Amount on File
Deed Document Number	2018394
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 5, 2018
Property Address	2957 WHITE CHAPEL RD, LANCASTER, VA 22503-2606
Document Number	180000394
Instrument Date	Nov 21, 2017
Instrument	180000394
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount on Record
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	2957 WHITE CHAPEL RD, LANCASTER, VA 22503-2606

Mortgage

Document Number	180000395
Date	Mar 5, 2018
Instrument	180000395

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

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	$6.00 (-98.86%)	$125,600 (+50.24%) Land $12,000 Building $113,600	$125,600 (+50.24%) Land $12,000 Building $113,600
2023	$526.00	$83,600 Land $12,000 Building $71,600	$83,600 Land $12,000 Building $71,600

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

Flood

FEMA maps place 2957 White Chapel Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1985.

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

Wildfire risk around 2957 White Chapel Rd is low, with a 0.02% annual chance of 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.

Drinking Water

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

Water System	LIVELY, COMMUNITY OF private · serves 398 people · EPA ID VA4103800
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Breezeline Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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