32 Circle St, Lancaster, VA 22503 Property Records

Lancaster County property record for 32 Circle St, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1972
Lot Size	2 acres (87,425 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Jan 2018)
Tax Bill	$11 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E 1 64`

Property Details

APN / Parcel Number

Primary APN	`20E 1 64`
Alternative APN	`3707`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,425 sqft (2 acres)
Garage Area	1,632 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft
Patio Area	24 sqft
Lean-To	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3707
Street Address	32 CIRCLE ST
City	LANCASTER
State	VA
Zip	22503-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HERITAGE POINT 2.007 AC LR18/29
Legal Subdivision	HERITAGE POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3015
Census Tract	30100

Owner

Source: Lancaster County records, as of May 19, 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	32 CIRCLE ST, LANCASTER, VA 22503-3703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CREDIT UNION INC
Jan 9, 2018	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2018 · Amount on Record
Deed Sale	Jan 9, 2018 · Amount on Record
Deed Document Number	201829
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	32 CIRCLE ST, LANCASTER, VA 22503-3703
Transaction Type	Mortgage
Record Updated	Feb 22, 2023
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000076
Date	Jan 13, 2023
Instrument	230000076

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 28, 2043

Interest

Rate Type	Fixed Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jan 9, 2018
Property Address	32 CIRCLE ST, LANCASTER, VA 22503-3703
Document Number	180000029
Instrument Date	Oct 23, 2017
Instrument	180000029
Transaction Type	Transfer
Record Updated	Nov 23, 2021
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	32 CIRLCE ST, LANCASTER, VA 22503-3703

Mortgage

Document Number	180000030
Date	Jan 9, 2018
Instrument	180000030

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2048

Interest

Rate Type	Adjustable 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	$11.00 (-98.9%)	$214,800 (+35.01%) Land $17,500 Building $197,300	$214,800 (+35.01%) Land $17,500 Building $197,300
2023	$1,002.00	$159,100 Land $17,500 Building $141,600	$159,100 Land $17,500 Building $141,600

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 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

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

May also be available: All Points Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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