487 Cole Ln, La Crosse, VA 23950 Property Records

Mecklenburg County property record for 487 Cole Ln, La Crosse, VA 23950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,024 sqft · built 1993
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Oct 2024)
Tax Bill	$850 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181000-A-047B`

Property Details

APN / Parcel Number

Primary APN	`181000-A-047B`
Alternative APNs	`181000_A _00_047B` `R031965`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	3,024 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R031965
Street Address	487 COLE LN
City	LA CROSSE
State	VA
Zip	23950-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT- COLE (SR 847)
Jurisdiction	MECKLENBURG VA
Township / Civil Division	3
Census Block Group	2
Census Block	2010
Census Tract	930104

Owner

487 Cole Ln is owned and occupied by two individuals who bought it in October 2024.

Source: Mecklenburg County records, as of May 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	487 COLE LN, LA CROSSE, VA 23950-2710
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
May 7, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL CORPORATION
Apr 4, 2024	Trustee's Deed, Foreclosure Foreclosure Auction
Aug 3, 2020	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2024 · Amount on File
Deed Sale	Oct 4, 2024 · Amount on File
Prior Sale	Apr 4, 2024 · Amount on File
Deed Document Number	20244461
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Recording Date	May 7, 2026
Property Address	487 COLE LN, LA CROSSE, VA 23950-2710
Document Number	0000001913
Instrument Date	May 2, 2026
Instrument	20261913
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 COLE LN, LA CROSSE, VA 23950-2710

Mortgage

Document Number	0000001913,
Date	May 7, 2026
Instrument	20261913

Lender

Name	AMERICAN FINANCIAL CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

April 2024: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MECKLENBURG VA
Recording Date	Apr 4, 2024
Property Address	487 COLE LN, LA CROSSE, VA 23950-2710
Document Number	0240001372
Instrument Date	Apr 3, 2024
Instrument	240001372
Transaction Type	Foreclosure
Record Updated	Apr 24, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 PLEASANT GROVE RD, BRODNAX, VA 23920-3317

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG VA
Recording Date	Aug 3, 2020
Property Address	487 COLE LN, LA CROSSE, VA 23950-2710
Document Number	0200002782
Instrument Date	Jun 26, 2020
Instrument	200002782
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	487 COLE LN, LA CROSSE, VA 23950-2710
Investor	Possibly a Property Investor

Mortgage

Document Number	0200002783
Date	Aug 3, 2020
Instrument	200002783

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 487 Cole Ln was $850.

Source: Mecklenburg County assessment roll, as of January 6, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Mecklenburg County
Unified School District	Mecklenburg County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$850.00	$236,200 Land $18,900 Building $217,300	$236,200 Land $18,900 Building $217,300
2023	$876.00	$219,100 (-) Land $18,000 Building $201,100	$219,100 (-) Land $18,000 Building $201,100
2022	$876.00	$219,100 Land $18,000 Building $201,100	$219,100 Land $18,000 Building $201,100

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

Flood

FEMA maps place 487 Cole Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2016 · 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

Wildfire risk around 487 Cole Ln 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 80% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Empower Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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