428 Fleet's Bay Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 428 Fleet's Bay Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,344 sqft · built 1900
Lot Size	4.63 acres (201,944 sqft)
Owner	2 Company Names on Record
Last Sale	$185,000 (Oct 2015)
Tax Bill	$11 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Apr 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29 79`

Property Details

APN / Parcel Number

Primary APN	`29 79`
Alternative APN	`8965`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	1,420 sqft
1st Floor Area	1,928 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1959
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	201,944 sqft (4.63 acres)

Exterior Amenities

Deck Area	40 sqft
Shed	1 Shed
Shed Area	96 sqft
Utility Building	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8965
Street Address	428 FLEETS BAY RD
City	WHITE STONE
State	VA
Zip	22578-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FLEETS BAY 4.636 AC LR19/501
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, as of May 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 3682, CARMEL BY THE SEA, CA 93921-3682
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 5, 2019	Intrafamily Transfer, Transfer
Apr 5, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2015 · Amount on Record
Deed Sale	Oct 22, 2015 · Amount on Record
Prior Sale	Nov 23, 2013 · Amount on Record
Deed Document Number	20151730
Last Transfer Date	Apr 4, 2019
Transfer Doc	0000000501
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	428 FLEETS BAY RD, WHITE STONE, VA 22578-2037
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001162
Date	Jun 19, 2018
Instrument	180001162

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Apr 5, 2019
Property Address	428 FLEETS BAY RD, WHITE STONE, VA 22578
Document Number	190000501
Instrument Date	Apr 4, 2019
Instrument	190000501
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3682, CARMEL BY THE SEA, CA 93921-3682

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Apr 5, 2019
Property Address	428 FLEETS BAY RD, WHITE STONE, VA 22578-2037
Document Number	0190000501
Instrument Date	Apr 4, 2019
Instrument	190000501
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3682, CARMEL BY THE SEA, CA 93921-3682

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	$11.00 (-98.73%)	$214,900 (+56.86%) Land $41,400 Building $173,500	$214,900 (+56.86%) Land $41,400 Building $173,500
2023	$863.00	$137,000 Land $41,400 Building $95,600	$137,000 Land $41,400 Building $95,600

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 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

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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