54 Clover Ln, Lancaster, VA 22503 Property Records

Lancaster County property record for 54 Clover Ln, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1974
Lot Size	0.483 acres (21,039 sqft)
Owner	Individual Name on File
Tax Bill	$11 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14 50F`

Property Details

APN / Parcel Number

Primary APN	`14 50F`
Alternative APN	`1447`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	3,016 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,039 sqft (0.483 acres)
Driveway	Paver Driveway
Deck Area	112 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	1447
Street Address	54 CLOVER LN
City	LANCASTER
State	VA
Zip	22503-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NR LIVELY .483 AC WF14/44
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	2
Census Block	2014
Census Tract	30100

Owner

Source: Lancaster County records · APN 14 50F

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	54 CLOVER LN, LANCASTER, VA 22503-2721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	54 CLOVER LN, LANCASTER, VA 22503-2721
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000534
Date	Mar 29, 2023
Instrument	230000534

Lender

Name	CHESAPEAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2043

Interest

Rate Type	Adjustable Rate
Rate	6.59%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2028
Change Frequency	5 Years

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$11.00 (-98.57%)	$200,600 (+63.89%) Land $12,000 Building $188,600	$200,600 (+63.89%) Land $12,000 Building $188,600
2023	$771.00	$122,400 Land $12,000 Building $110,400	$122,400 Land $12,000 Building $110,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Virginia Everywhere.

Based on FCC filings for 15 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LIVELY, COMMUNITY OF private · serves 398 people
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.