578 Chesapeake Dr, White Stone, VA 22578 Property Records

Lancaster County property record for 578 Chesapeake Dr, White Stone, VA 22578

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,284 sqft · built 1945
Lot Size	0.726 acres (31,625 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Nov 2018)
Tax Bill	$28 (2025)
Deeds & Mortgages	Oct 2021 Transfer Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34 245C`

Property Details

APN / Parcel Number

Primary APN	`34 245C`
Alternative APN	`11213`

Interior

Total Rooms	10 Rooms
Stories	1 Story
Building Area	9,284 sqft Gross Area
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1967
Exterior Material	Brick
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	31,625 sqft (0.726 acres)
Garage Area	2,712 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	11213
Street Address	578 CHESAPEAKE DR
City	WHITE STONE
State	VA
Zip	22578
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Description	FIRE DEPT .726 AC LR21/3065 LR18/1772-P P#0807
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1016
Census Tract	30301

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1377, WHITE STONE, VA 22578-1377
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Gift Deed, Transfer
Nov 30, 2018	Correction Deed LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA
Sep 11, 2018	Warranty Deed, Construction Loan · Construction Mortgage VIRGINIA COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	20182183
Last Transfer Date	Aug 12, 2021
Transfer Doc	0000003065
Record Updated	Sep 20, 2026

October 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 29, 2021
Property Address	578 CHESAPEAKE DR, WHITE STONE, VA 22578
Document Number	0210003065
Instrument Date	Aug 12, 2021
Instrument	210003065
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 CHESAPEAKE DR, WHITE STONE, VA 22578

November 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	LANCASTER VA
Recording Date	Nov 30, 2018
Property Address	578 CHESAPEAKE DR, WHITE STONE, VA 22578
Document Number	0180002183
Instrument Date	Oct 25, 2018
Instrument	180002183
Record Updated	Sep 6, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1377, WHITE STONE, VA 22578-1377

September 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Sep 11, 2018
Property Address	578 CHESAPEAKE DR, WHITE STONE, VA 22578
Document Number	0180001769
Instrument Date	Aug 28, 2018
Instrument	180001769
Transaction Type	Construction Loan
Record Updated	Sep 6, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount Recorded
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	PO BOX 1377, WHITE STONE, VA 22578-1377

Mortgage

Document Number	0180001770
Date	Sep 11, 2018
Instrument	180001770

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lancaster County assessment roll, as of May 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$28.00 (-98.76%)	$520,700 (+45.45%) Land $72,600 Building $448,100	$520,700 (+45.45%) Land $72,600 Building $448,100
2023	$2,255.00	$358,000 Land $72,600 Building $285,400	$358,000 Land $72,600 Building $285,400

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 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 Record median of 69 individual policies
Nearby Flood Policies	77 units insured incl. 8 condo units
Nearby Flood Claims	7 (2003–2024)
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 claims

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	0.02% 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	WHITE STONE private · serves 825 people · EPA ID VA4103980
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 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, 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: AT&T.

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