45 Lake Ct, Montross, VA 22520 Property Records

Westmoreland County property record for 45 Lake Ct, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$273,000 (May 2021)
Tax Bill	$35 (2025)
Deeds & Mortgages	Aug 2013 Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22B-68`

Property Details

APN / Parcel Number

Primary APN	`22B-68`
Alternative APN	`11353`

Location & Zoning

Account Number	11353
Old Parcel Number	22B-68
Street Address	45 LAKE CT
City	MONTROSS
State	VA
Zip	22520-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	INDEPENDENCE SHORES LOT 68DB 943 PG 1110
Legal Subdivision	INDEPENDENCE SHORES
Legal Lot Number	68
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	1
Census Block	1009
Census Tract	10200

Owner

45 Lake Ct is owned and occupied by an individual who bought it in May 2021.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Mailing Address	45 LAKE CT, MONTROSS, VA 22520-8501
Occupancy	Owner Occupied
Owner Type	Individual

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 1, 2013	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE MANAGEMENT LLC
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Dec 5, 2017	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE LLC
Jan 24, 2017	Trustee's Deed, Foreclosure EQUITY TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Prior Sale	Dec 5, 2017 · Amount on File
Deed Document Number	0009431110
Deed Book / Page	943 / 1110
Record Updated	Jun 8, 2026

August 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	45 LAKE CT, MONTROSS, VA 22520-8501
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000850/13
Date	Aug 1, 2013
Book Page	850/13

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2043

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 12, 2021
Property Address	45 LAKE CT, MONTROSS, VA 22520-8501
Document Number	0009431110
Instrument Date	Apr 27, 2021
Instrument	09431110
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAKE CT, MONTROSS, VA 22520-8501

Mortgage

Document Number	0009431113
Date	May 12, 2021
Instrument	09431113

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 5, 2017
Property Address	45 LAKE CT, MONTROSS, VA 22520-8501
Document Number	0009020295
Instrument Date	Dec 1, 2017
Instrument	9020295
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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	45 LAKE CT, MONTROSS, VA 22520-8501

Mortgage

Document Number	0009020298
Date	Dec 5, 2017
Instrument	9020298

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jan 24, 2017
Property Address	45 LAKE CT, MONTROSS, VA 22520-8501
Document Number	0008911057
Instrument Date	Jan 3, 2017
Instrument	08911057
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17090 QUAIL CREEK CIR, HAMILTON, VA 20158-3101
Investor	Possibly a Property Investor

Mortgage

Document Number	0008911060
Date	Jan 24, 2017
Instrument	08911060

Lender

Name	EQUITY TRUST COMPANY

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 45 Lake Ct was $35.

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$35.00	$5,200 Land $5,200	$5,200 Land $5,200
2023	$32.00	$5,200 Land $5,200	$5,200 Land $5,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Lake Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective May 22, 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2003–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2020 · rainfall accumulation

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 45 Lake Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STRATFORD HARBOUR private · serves 1,230 people · EPA ID VA4193920
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: All Points Broadband.

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