426 Lara Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 426 Lara Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1978
Lot Size	2.04 acres (88,950 sqft)
Owner	2 Individual Names on File
Last Sale	$379,500 (May 2026)
Tax Bill	$13 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`7 15`

Property Details

APN / Parcel Number

Primary APN	`7 15`
Alternative APN	`541`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	2,705 sqft
1st Floor Area	1,536 sqft
Flooring	Hardwood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,950 sqft (2.04 acres)
Garage Area	943 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Deck Area	688 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	336 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	541
Street Address	426 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 2.042 AC LR20/1792 LR06/195-P PC7/117D
Legal Subdivision	MARGARET D DAVIS EST
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	30100

Owner

Source: Lancaster County records · APN 7 15

Assessment roll updated May 19, 2026 · Last verified June 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	426 LARA RD, LANCASTER, VA 22503-2820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED BANK
Aug 26, 2020	Warranty Deed, Transfer NOT AVAILABLE, ALFORD TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Aug 26, 2020 · Amount on Record
Deed Document Number	2026941
Record Updated	Sep 20, 2026

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	LANCASTER VA
Recording Date	May 13, 2026
Property Address	426 LARA RD, LANCASTER, VA 22503-2820
Document Number	0000000941
Instrument Date	May 06, 2026
Instrument	2026.941
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$38,329.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 LARA RD, LANCASTER, VA 22503-2820

Mortgage

Document Number	0000000942,
Date	May 13, 2026
Instrument	2026..942

Lender

Name	UNITED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 26, 2020
Property Address	426 LARA RD, LANCASTER, VA 22503-2820
Document Number	0200001792
Instrument Date	Aug 15, 2020
Instrument	200001792
Transaction Type	Transfer
Record Updated	Sep 06, 2022
Title Company	NOT AVAILABLE, ALFORD TITLE

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	426 LARA RD, LANCASTER, VA 22503-2820

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified June 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 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
2025	$13.00 (-98.88%)	$251,900 (+36.16%) Land $16,700 Building $235,200	$251,900 (+36.16%) Land $16,700 Building $235,200
2023	$1,165.00	$185,000 Land $16,700 Building $168,300	$185,000 Land $16,700 Building $168,300

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
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

Wildfire

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 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)
Virginia Everywhere Fiber	1,000 / 1,000

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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