313 Paynes Creek Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 313 Paynes Creek Rd, Lancaster, VA 22503

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 3,520 sqft · built 1969
Lot Size	44.6 acres (1,946,391 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Nov 2019)
Tax Bill	$62 (2025)
Deeds & Mortgages	Dec 2010 Mortgage Jun 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25 33`

Property Details

APN / Parcel Number

Primary APN	`25 33`
Alternative APN	`6296`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,520 sqft Living Area
Gross Area	5,040 sqft
1st Floor Area	3,520 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1986
Exterior Material	Vinyl
Roof Type	Flat
Roof Material	Urethane Foam
Lot Area	1,946,391 sqft (44.6 acres)
Garage Area	1,620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	200 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	80 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6296
Street Address	313 PAYNES CREEK RD
City	LANCASTER
State	VA
Zip	22503-3921
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A2
Legal Description	PAYNES CREEK 44.683 AC LR19/1954
Legal Subdivision	PAYNES CREEK
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4014
Census Tract	30100

Owner

313 Paynes Creek Rd, a rural home, is owned and occupied by an individual who bought it in November 2019.

Source: Lancaster County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2010	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 7, 2013	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 5, 2009	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 1, 2014	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Nov 26, 2019	Special Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE OF LANCASTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2019 · Amount on File
Deed Sale	Nov 26, 2019 · Amount on File
Deed Document Number	20191954
Record Updated	Sep 20, 2026

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01000/2436
Date	Dec 14, 2010
Book Page	1000/2436

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2026

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01300/1172
Date	Jun 7, 2013
Book Page	1300/1172

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2023

Interest

Rate Type	Fixed Rate
Rate	2.88%

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000900/430
Date	Mar 5, 2009
Book Page	900/430

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2024

Interest

Rate Type	Fixed Rate
Rate	4.75%

April 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001400/429
Date	Apr 1, 2014
Book Page	1400/429

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Mar 18, 2024

Interest

Rate Type	Adjustable Rate

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Nov 26, 2019
Property Address	313 PAYNES CREEK RD, LANCASTER, VA 22503-3921
Document Number	0190001954
Instrument Date	Nov 25, 2019
Instrument	190001954
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE OF LANCASTER

Transaction

Amount	Amount 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	100 BERKSHIRE RD, NEWTONVILLE, MA 02460-2404

Tax Assessment & Valuation

The 2025 property tax bill for 313 Paynes Creek Rd was $62.

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	$62.00	$1,137,800 Land $490,300 Building $647,500	$1,137,800 Land $490,300 Building $647,500
2023	$5,641.00	$895,400 Land $475,300 Building $420,100	$895,400 Land $475,300 Building $420,100

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

Flood

FEMA maps place 313 Paynes Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	28 (1998–2018)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Nov 2018 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 14 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 313 Paynes Creek Rd is low, with a 0.01% 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	0.01% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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