384 Cool Spring Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 384 Cool Spring Rd, White Stone, VA 22578 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,540 sqft · built 1957
Lot Size	2.72 acres (118,483 sqft)
Owner	Individual Name on File
Last Sale	$606,000 (Mar 2022)
Tax Bill	$44 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34 269C`

Property Details

APN / Parcel Number

Primary APN	`34 269C`
Alternative APN	`11273`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,540 sqft Living Area
Gross Area	3,700 sqft
1st Floor Area	2,540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1994
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	118,483 sqft (2.72 acres)

Exterior Amenities

Pool Area	476 sqft
Porch	Slab
Porch Area	48 sqft
Deck Area	704 sqft
Patio Area	408 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11273
Street Address	384 COOL SPRING RD
City	WHITE STONE
State	VA
Zip	22578-2664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT BANKS 2.72 AC LR22/761 LR13/1159-P P#0387-0388
Legal Subdivision	PLEASANT BANKS
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1012
Census Tract	30301

Owner

Source: Lancaster County records · APN 34 269C

Assessment roll updated May 19, 2026 · Last verified May 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 File
Mailing Address	PO BOX 531, WHITE STONE, VA 22578-0531
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST
Jan 05, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CENTER LLC
Jun 28, 2011	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 06, 2007	Deed of Trust, Mortgage · Conventional Mortgage WACHOVIA MORTGAGE CORPORA
Mar 18, 2022	Special Warranty Deed, Transfer · Stand-Alone First Mortgage CAPITAL CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 18, 2022 · Amount on Record
Deed Sale	Mar 18, 2022 · Amount on Record
Deed Document Number	2022761
Prior Transfer Date	Feb 04, 2022
Prior Transfer Doc	0000000761
Record Updated	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	384 COOL SPRING RD, WHITE STONE, VA 22578-2664
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001877
Date	Sep 26, 2018
Instrument	180001877

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	384 COOL SPRING RD, WHITE STONE, VA 22578-2664
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170000022
Date	Jan 05, 2017
Instrument	170000022

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2047

Interest

Rate Type	Fixed Rate

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	384 COOL SPRING RD, WHITE STONE, VA 22578-2664
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01100/1199
Date	Jun 28, 2011
Book Page	1100/1199

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2041

Interest

Rate Type	Fixed Rate
Rate	4.75%

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	384 COOL SPRING RD, WHITE STONE, VA 22578-2664
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000700/313
Date	Feb 06, 2007
Book Page	700/313

Lender

Name	WACHOVIA MORTGAGE CORPORA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2037

Interest

Rate Type	Fixed Rate
Rate	5.63%

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 18, 2022
Property Address	384 COOL SPRING RD, WHITE STONE, VA 22578-2664
Document Number	0220000761
Instrument Date	Feb 04, 2022
Instrument	220000761
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	PO BOX 531, WHITE STONE, VA 22578-0531

Mortgage

Document Number	0220000762
Date	Mar 18, 2022
Instrument	220000762

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 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	$44.00 (-98.72%)	$801,600 (+46.76%) Land $167,700 Building $633,900	$801,600 (+46.76%) Land $167,700 Building $633,900
2023	$3,441.00	$546,200 Land $157,700 Building $388,500	$546,200 Land $157,700 Building $388,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 69 individual NFIP policies nearby
Nearby Flood Policies	77 units insured 8 under condo master policies
Nearby Flood Claims	7 (2003–2024)
Most Recent Claim	Sep 2024, tidal / storm surge
Claims By Storm	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)	Low Latency
Cogeco Cable Holdings II	Cable	1,000 / 50	Yes
Virginia Broadband	Fixed Wireless (unlicensed)	100 / 25	No

May also be available at this address: Cogeco Cable Holdings II. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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