595 Lovers Ln, Lancaster, VA 22503 Property Records

Lancaster County property record for 595 Lovers Ln, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,163 sqft · built 2023
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$955,000 (Apr 2026)
Tax Bill	$41 (2025)
Deeds & Mortgages	Feb 2021 Refinance Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26 36`

Property Details

APN / Parcel Number

Primary APN	`26 36`
Alternative APN	`6901`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,163 sqft Living Area
Gross Area	5,312 sqft
1st Floor Area	1,338 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	50,965 sqft (1.17 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	148 sqft
Deck Area	362 sqft
Patio Area	137 sqft
Shed	1 Shed
Shed Area	288 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6901
Street Address	595 LOVERS LN
City	LANCASTER
State	VA
Zip	22503-4158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	MYERS CREEK 1.17 AC LR13/2059 P#0414
Legal Subdivision	MYERS CREEK
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4028
Census Tract	30100

Owner

Source: Lancaster County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	8108 LOWER RALSTON CT, HENRICO, VA 23229-7462
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FULTON BANK NA
Apr 24, 2026	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Oct 3, 2013	Warranty Deed, Transfer · Conventional Mortgage BANK OF LANCASTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Oct 3, 2013 · Amount on Record
Deed Document Number	2026758
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	595 LOVERS LN, LANCASTER, VA 22503-4158
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000581
Date	Feb 26, 2021
Instrument	210000581

Lender

Name	FULTON BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	371 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Apr 24, 2026
Property Address	595 LOVERS LN, LANCASTER, VA 22503-4158
Document Number	0000000758
Instrument Date	Apr 22, 2026
Instrument	2026758
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$96,455.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8108 LOWER RALSTON CT, HENRICO, VA 23229-7462
Investor	Possibly a Property Investor

October 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 3, 2013
Property Address	595 LOVERS LN, LANCASTER, VA 22503-4158
Document Number	01300/2059
Book / Page	1300 / 2059
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0013002060
Date	Oct 3, 2013
Instrument	1300/2060

Lender

Name	BANK OF LANCASTER

Agreement

Type	Conventional 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
Unified School District	Lancaster County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41.00 (-98.69%)	$756,800 (+52.3%) Land $151,500 Building $605,300	$756,800 (+52.3%) Land $151,500 Building $605,300
2023	$3,130.00	$496,900 Land $151,500 Building $345,400	$496,900 Land $151,500 Building $345,400

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 14 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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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