372 Fleets Ln, White Stone, VA 22578 Property Records

Lancaster County property record for 372 Fleets Ln, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,376 sqft · built 1983
Lot Size	3.46 acres (150,718 sqft)
Owner	2 Trust Names on File
Last Sale	$991,000 (Jul 2021)
Tax Bill	$66 (2025)
Deeds & Mortgages	Dec 2019 Reverse Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29 46H`

Property Details

APN / Parcel Number

Primary APN	`29 46H`
Alternative APN	`8832`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,376 sqft Living Area
Gross Area	7,308 sqft
1st Floor Area	4,677 sqft
Basement Area	1,230 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,230 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	150,718 sqft (3.46 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	210 sqft
Deck Area	318 sqft
Patio Area	160 sqft
Boat Lift	Boat Lift
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8832
Street Address	372 FLEETS LN
City	WHITE STONE
State	VA
Zip	22578-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FLEETS BAY 3.46 AC LR23/2078 LR21/1080-P
Legal Subdivision	FLEETS BAY
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	4
Census Block	4029
Census Tract	30200

Owner

Source: Lancaster County records · APN 29 46H

Assessment roll updated May 19, 2026 · 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 Trust Names on File
Mailing Address	1158 SILVER BEECH RD, HERNDON, VA 20170-2327
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2019	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 09, 2021	Warranty Deed, Transfer · Conventional Mortgage VELLUM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 09, 2021 · Amount on Record
Deed Sale	Jul 09, 2021 · Amount on Record
Deed Document Number	20211947
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	372 FLEETS LN, WHITE STONE, VA 22578-2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002080
Date	Dec 16, 2019
Instrument	190002080

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2020
Margin	2

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jul 09, 2021
Property Address	372 FLEETS LN, WHITE STONE, VA 22578-2019
Document Number	210001947
Instrument Date	Jun 29, 2021
Instrument	210001947
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1158 SILVER BEECH RD, HERNDON, VA 20170-2327

Mortgage

Document Number	210001949
Date	Jul 09, 2021
Instrument	210001949

Lender

Name	VELLUM MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Aug 01, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$66.00 (-98.66%)	$1,208,000 (+54.95%) Land $386,500 Building $821,500	$1,208,000 (+54.95%) Land $386,500 Building $821,500
2023	$4,911.00	$779,600 Land $311,500 Building $468,100	$779,600 Land $311,500 Building $468,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	5 (2003–2018)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50

Based on FCC filings for 30 locations within half a mile of this property.

Cell Coverage

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

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