4310 Merry Point Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 4310 Merry Point Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,053 sqft · built 2012
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Jan 2026)
Tax Bill	$37 (2025)
Deeds & Mortgages	Aug 2012 Construction Loan Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21 44B`

Property Details

APN / Parcel Number

Primary APN	`21 44B`
Alternative APN	`4075`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,053 sqft Living Area
Gross Area	5,240 sqft
1st Floor Area	3,918 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	352 sqft
Deck Area	30 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4075
Street Address	4310 MERRY POINT RD
City	LANCASTER
State	VA
Zip	22503-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	JOHN CREEK .92 AC LOT 3 LR08/127
Legal Subdivision	JOHN CREEK
Legal Lot Number	3
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	2
Census Block	2026
Census Tract	30100

Owner

4310 Merry Point Rd is owned and occupied by two individuals who bought it in January 2026.

Source: Lancaster County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2012	Deed of Trust, Mortgage · Construction Mortgage CHESAPEAKE BANK
Jul 16, 2025	Deed of Trust, Mortgage · Balloon Mortgage CHESAPEAKE BANK
Jan 16, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Jan 11, 2008 · Amount on File
Deed Document Number	2026104
Record Updated	Oct 29, 2026

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01200/1760
Date	Aug 30, 2012
Book Page	1200/1760

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Aug 1, 2043

Interest

Rate Type	Fixed Rate
Rate	5.99%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	HOMELAND TITLE AND ESCROW AGENCY LLC, HOMELAND TTL STLMT AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631

Mortgage

Document Number	0250001528
Date	Jul 16, 2025
Instrument	250001528

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	13 Months
Due	Aug 1, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Jan 16, 2026
Property Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631
Document Number	0260000104
Map Reference	MB 291 PG 561
Instrument Date	Jan 13, 2026
Instrument	260000104
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4310 MERRY POINT RD, LANCASTER, VA 22503-3631

Mortgage

Document Number	0260000105
Date	Jan 16, 2026
Instrument	260000105

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4310 Merry Point Rd was $37.

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	$37.00	$682,500 Land $110,000 Building $572,500	$682,500 Land $110,000 Building $572,500
2023	$2,896.00	$459,800 Land $100,000 Building $359,800	$459,800 Land $100,000 Building $359,800

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

Flood

FEMA maps place 4310 Merry Point Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 4310 Merry Point Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 11 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

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

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