404 Lara Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 404 Lara Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,515 sqft · built 1933
Lot Size	5 acres (218,018 sqft)
Owner	Individual Name on Record
Last Sale	$147,500 (Oct 2020)
Tax Bill	$8 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7 15D`

Property Details

APN / Parcel Number

Primary APN	`7 15D`
Alternative APN	`13291`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	3,422 sqft
1st Floor Area	2,217 sqft
Basement Area	349 sqft
Unfinished Basement	349 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1964
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	218,018 sqft (5 acres)
Garage Type	Carport
Garage Area	210 sqft
Carport	Carport
Carport Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	392 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13291
Street Address	404 LARA RD
City	LANCASTER
State	VA
Zip	22503-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	RICHMOND CO LINE 5.005 AC LR20/2394
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	30100

Owner

Source: Lancaster County records, as of June 2, 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	404 LARA RD, LANCASTER, VA 22503-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK, SERVICE LINK
Oct 23, 2020	Warranty Deed, Transfer · FHA Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Feb 24, 2013 · Amount on Record
Deed Document Number	20202394
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Recording Date	May 19, 2026
Property Address	404 LARA RD, LANCASTER, VA 22503-2820
Document Number	0000000987
Instrument Date	May 1, 2026
Instrument	2026987
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LARA RD, LANCASTER, VA 22503-2820

Mortgage

Document Number	0000000987,
Date	May 19, 2026
Instrument	2026987

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Nov 1, 2050

Interest

Rate	6.46%
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 23, 2020
Property Address	404 LARA RD, LANCASTER, VA 22503-2820
Document Number	200002394
Instrument Date	Oct 19, 2020
Instrument	200002394
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	404 LARA RD, LANCASTER, VA 22503-2820

Mortgage

Document Number	200002395
Date	Oct 23, 2020
Instrument	200002395

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$8.00 (-98.64%)	$156,500 (+66.84%) Land $30,000 Building $126,500	$156,500 (+66.84%) Land $30,000 Building $126,500
2023	$590.00	$93,800 Land $30,000 Building $63,800	$93,800 Land $30,000 Building $63,800

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
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	37 (1996–2011)
Claims Outside the SFHA	3 of 37
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 13 claims Hurricane Isabel, Sep 2003 · 18 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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