Lancaster County property record for 498 Paynes Shop Rd, Lancaster, VA 22503
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,666 sqft · built 2006 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $171,900 (Mar 2017) |
| Tax Bill | $15 (2025) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20E 1 204 |
| Primary APN | 20E 1 204 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,666 sqft Living Area |
| Gross Area | 3,940 sqft |
| 1st Floor Area | 1,666 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,996 sqft (1.01 acres) |
| Porch | Patio |
| Porch Area | 288 sqft |
| Deck Area | 20 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 3861 |
|---|---|
| Street Address | 498 PAYNES SHOP RD |
| City | LANCASTER |
| State | VA |
| Zip | 22503-3824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 |
| Legal Description | HERITAGE POINT 1.01 AC LR17/510 |
| Legal Subdivision | HERITAGE POINT |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4045 |
| Census Tract | 30100 |
498 Paynes Shop Rd is owned and occupied by an individual who bought it in March 2017.
Source: Lancaster County records, as of May 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 498 PAYNES SHOP RD, LANCASTER, VA 22503-3824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2017 · Amount on File |
| Deed Sale | Mar 20, 2017 · Amount on File |
| Prior Sale | Nov 15, 2006 · Amount on File |
| Deed Document Number | 2017510 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Mar 20, 2017 |
| Property Address | 498 PAYNES SHOP RD, LANCASTER, VA 22503-3824 |
| Document Number | 170000510 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 170000510 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 556 MOSQUITO POINT RD, WHITE STONE, VA 22578-2902 |
| Document Number | 170000511 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 170000511 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 498 Paynes Shop Rd was $15.
Source: Lancaster County assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15.00 | $277,500 Land $15,000 Building $262,500 | $277,500 Land $15,000 Building $262,500 |
| 2023 | $1,024.00 | $162,600 Land $15,000 Building $147,600 | $162,600 Land $15,000 Building $147,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 498 Paynes Shop Rd in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1998.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 47 policies |
| Nearby Flood Policies | 47 in force |
| Nearby Flood Claims | 28 (1998–2018) |
| Claims Outside the SFHA | 4 of 28 |
| Most Recent Claim | Nov 2018 · other causes |
| Claims by Event |
|
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 risk around 498 Paynes Shop Rd 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| All Points Broadband Fiber | 1,000 / 1,000 |
4G LTE only, no 5G reported
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