Lancaster County property record for 446 Pine Trl, White Stone, VA 22578 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,688 sqft · built 1975 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $36 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 35C 1 B 10 |
| Primary APN | 35C 1 B 10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 4,432 sqft |
| 1st Floor Area | 4,032 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Vinyl |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 39,204 sqft (0.9 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 200 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12533 |
|---|---|
| Street Address | 446 PINE TRL |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-2857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRAILS END LOT DB194/87 |
| Legal Subdivision | TRAILS END |
| Legal Lot Number | DB194 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 30301 |
Source: Lancaster County records · APN 35C 1 B 10
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 | 446 PINE TRL, WHITE STONE, VA 22578-2857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 446 PINE TRL, WHITE STONE, VA 22578-2857 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180000522 |
|---|---|
| Date | Mar 26, 2018 |
| Instrument | 180000522 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
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 | $36.00 (-98.87%) | $670,600 (+32.27%) Land $220,000 Building $450,600 | $670,600 (+32.27%) Land $220,000 Building $450,600 |
| 2023 | $3,194.00 | $507,000 Land $180,000 Building $327,000 | $507,000 Land $180,000 Building $327,000 |
Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 174 individual NFIP policies nearby |
| Nearby Flood Policies | 190 units insured 16 under condo master policies |
| Nearby Flood Claims | 28 (2003–2023) |
| Claims Outside the SFHA | 1 of 28 |
| Most Recent Claim | Sep 2023, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Low above 4% of the US · above 2% of Virginia |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Virginia Everywhere | Fiber | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Cogeco Cable Holdings II. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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