Essex County property record for 320 Lloyds Rd, Champlain, VA 22438 · Last verified August 2026
| Property Type | Vacant Land > Residential |
|---|---|
| Lot Size | 268,765 sqft (6.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $343,000 (2025) |
| Tax Bill | $1,602.00 (2026) |
| Primary APN | 19-22A |
|---|---|
| Alternative APN |
|
| Roof Construction | Gable Roof Construction |
|---|---|
| Lot Area | 268,765 sqft (6.17 acres) |
| Account Number | 9518 |
|---|---|
| Street Address | 320 LLOYDS RD |
| City | CHAMPLAIN |
| State | VA |
| Zip | 22438-2110 |
| Property Usage | Residential Property Usage |
| Type | Vacant Land > Residential |
| Legal Description | ADJ ONEAL PARCEL 2 |
| Legal Subdivision | ADJ ONEAL |
| Jurisdiction | ESSEX VA |
| Minor Civil Division | NORTH |
| Census Blockgroup | 1 |
| Census Block | 1062 |
| Census Tract | 950600 |
Source: Essex County records · APN 19-22A
Assessment roll updated October 6, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 06, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 01, 2025 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PEOPLES MORTGAGE |
| Nov 08, 2023 | Warranty Deed, Transfer FIRST GUARDIAN TITLE, FIRST GUARDIAN TITLE&ESCR LC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2025 · Amount on Record |
| Deed Sale | Apr 01, 2025 · Amount on Record |
| Prior Sale | Nov 08, 2023 · Amount on Record |
| Deed Doc Number | 2025340 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX VA |
| Property Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Document Number | 0260000008 |
|---|---|
| Date | Jan 06, 2026 |
| Instrument | 260000008 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ESSEX VA |
| Recording Date | Apr 01, 2025 |
| Property Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Document Number | 0250000340 |
| Instrument Date | Mar 28, 2025 |
| Instrument | 250000340 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 06, 2025 |
| Title Company | TERRY TITLE, TERRYS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Document Number | 0250000341 |
|---|---|
| Date | Apr 01, 2025 |
| Instrument | 250000341 |
| Name | PEOPLES MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ESSEX VA |
| Recording Date | Nov 08, 2023 |
| Property Address | 320 LLOYDS RD, CHAMPLAIN, VA 22438-2110 |
| Document Number | 0230001248 |
| Instrument Date | Nov 03, 2023 |
| Instrument | 230001248 |
| Transaction Type | Transfer |
| Record Updated | Oct 06, 2025 |
| Title Company | FIRST GUARDIAN TITLE, FIRST GUARDIAN TITLE&ESCR LC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1440 CENTRAL PARK BLVD STE 210, 210, FREDERICKSBURG, VA 22401-4931 |
Source: Essex County records · Assessment roll updated October 6, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Essex County |
| Unified School District | Essex County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,602.00 (+770.65%) | $291,200 (+4.37%) Land $33,500 Building $257,700 | $291,200 (+4.37%) Land $33,500 Building $257,700 |
| 2025 | $184.00 (-33.81%) | $279,000 (+632.38%) Land $33,500 Building $245,500 | $279,000 (+632.38%) Land $33,500 Building $245,500 |
| 2023 | $278.00 | $38,095 Land $38,095 | $38,095 Land $38,095 |
Source: FEMA National Flood Hazard Layer, Essex County (51057C), updated October 20, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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