321 Gilbert St, Kilmarnock, VA 22482 Property Records

Lancaster County property record for 321 Gilbert St, Kilmarnock, VA 22482

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1978
Lot Size	0.364 acres (15,856 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Apr 2023)
Tax Bill	$10 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23A 28 C 3`

Property Details

APN / Parcel Number

Primary APN	`23A 28 C 3`
Alternative APN	`5723`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	3,562 sqft
1st Floor Area	1,512 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1994
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,856 sqft (0.364 acres)
Garage Type	Carport
Garage Area	338 sqft
Carport	Carport
Carport Area	338 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Shed	1 Shed
Shed Area	216 sqft
Canopy	338 sqft
Utility Building	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5723
Street Address	321 GILBERT ST
City	KILMARNOCK
State	VA
Zip	22482-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ROLLING HILLS .364 AC LR23/712
Legal Subdivision	ROLLING HILLS
Jurisdiction	LANCASTER VA
Township / Civil Division	4
Census Block Group	2
Census Block	2005
Census Tract	30200

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	321 GILBERT ST, KILMARNOCK, VA 22482-9526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Apr 27, 2023	Warranty Deed, Transfer NOT AVAILABLE, HOMELAND TITLE STLMNT AGENCY
Oct 17, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Deed Document Number	2023712
Prior Transfer Date	Oct 14, 2022
Prior Transfer Doc	0000002389
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	321 GILBERT ST, KILMARNOCK, VA 22482-9526
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 GILBERT ST, KILMARNOCK, VA 22482-9526

Mortgage

Document Number	0250001782
Date	Aug 25, 2025
Instrument	250001782

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Apr 27, 2023
Property Address	321 GILBERT ST, KILMARNOCK, VA 22482
Document Number	0230000712
Instrument Date	Apr 25, 2023
Instrument	230000712
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	NOT AVAILABLE, HOMELAND TITLE STLMNT AGENCY

Transaction

Amount	Amount Recorded
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	321 GILBERT ST, KILMARNOCK, VA 22482

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Oct 17, 2022
Property Address	321 GILBERT ST, KILMARNOCK, VA 22482
Document Number	0220002389
Instrument Date	Oct 14, 2022
Instrument	220002389
Transaction Type	Transfer
Record Updated	Nov 2, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of May 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10.00 (-98.85%)	$196,900 (+43.2%) Land $22,500 Building $174,400	$196,900 (+43.2%) Land $22,500 Building $174,400
2023	$866.00	$137,500 Land $22,500 Building $115,000	$137,500 Land $22,500 Building $115,000

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	8 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding

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.

Drinking Water

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

Water System	TOWN OF KILMARNOCK serves 1,500 people · EPA ID VA4103600
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 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, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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