47 Clover Ln, Montross, VA 22520 Property Records

Westmoreland County property record for 47 Clover Ln, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,432 sqft · built 1974
Lot Size	0.772 acres (33,645 sqft)
Owner	2 Company Names on Record
Tax Bill	$915 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34A1-2-2-11`

Property Details

APN / Parcel Number

Primary APN	`34A1-2-2-11`
Alternative APN	`19907`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	33,645 sqft (0.772 acres)
Porch	Patio

Utilities, Heating & Cooling

Heating System	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	19907
Street Address	47 CLOVER LN
City	MONTROSS
State	VA
Zip	22520-2764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	MABEL J HARRIS SUB DIV LOT 11 BK 2 SEC 1DB 554 PG 825 969/524
Legal Subdivision	MABEL J HARRIS
Legal Block	2
Legal Lot Number	11
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	2
Census Block	2010
Census Tract	10200

Owner

Source: Westmoreland County records, as of January 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	47 CLOVER LN, MONTROSS, VA 22520-2764
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Gift Deed, Transfer
Jul 11, 2023	Intrafamily Transfer, Transfer
Jun 4, 2020	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 8, 2023
Record Updated	Sep 20, 2026

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jan 20, 2026
Property Address	47 CLOVER LN, MONTROSS, VA 22520-2764
Document Number	00999/1097
Book / Page	999 / 1097
Instrument Date	Dec 30, 2025
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 CLOVER LN, MONTROSS, VA 22520-2764

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Jul 11, 2023
Property Address	47 CLOVER LN, MONTROSS, VA 22520-2764
Document Number	0009690524
Instrument Date	Jun 8, 2023
Instrument	09690524
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	47 CLOVER LN, MONTROSS, VA 22520-2764
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009320510
Date	Jun 4, 2020
Instrument	09320510

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of January 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$915.00 (+9.71%)	$134,600 (-) Land $26,800 Building $107,800	$134,600 (-) Land $26,800 Building $107,800
2023	$834.00	$134,600 (-) Land $26,800 Building $107,800	$134,600 (-) Land $26,800 Building $107,800
2022	$834.00	$134,600 Land $26,800 Building $107,800	$134,600 Land $26,800 Building $107,800

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 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	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

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	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	TOWN OF MONTROSS serves 1,163 people · EPA ID VA4193680
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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