640 Lara Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 640 Lara Rd, Lancaster, VA 22503

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,296 sqft · built 1989
Lot Size	1.54 acres (67,082 sqft)
Owner	Company Name on Record
Last Sale	$135,000 (Dec 2022)
Tax Bill	$9 (2025)
Deeds & Mortgages	Feb 2007 Line of Credit Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`7 15C`

Property Details

APN / Parcel Number

Primary APN	`7 15C`
Alternative APN	`544`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Architectural Style	Duplex Single
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	67,082 sqft (1.54 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	544
Street Address	640 LARA RD
City	LANCASTER
State	VA
Zip	22503-2822
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	RICHMOND CO LINE 1.54 AC LR22/2780
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1000
Census Tract	30100

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 4207, CENTER LINE, MI 48015-4207
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2007	Deed of Trust, Mortgage · Line of Credit UNION BANK AND TRUST COMP
Dec 15, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Deed Document Number	20222780
Record Updated	Sep 20, 2026

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	640 LARA RD, LANCASTER, VA 22503-2822
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000700/435
Date	Feb 20, 2007
Book Page	700/435

Lender

Name	UNION BANK AND TRUST COMP

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Dec 15, 2022
Property Address	640 LARA RD, LANCASTER, VA 22503-2822
Document Number	0220002780
Instrument Date	Dec 9, 2022
Instrument	220002780
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4207, CENTER LINE, MI 48015-4207

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	$9.00 (-98.53%)	$166,100 (+70.18%) Land $14,400 Building $151,700	$166,100 (+70.18%) Land $14,400 Building $151,700
2023	$614.00	$97,600 Land $14,400 Building $83,200	$97,600 Land $14,400 Building $83,200

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 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	37 (1996–2011)
Claims Outside the SFHA	3 of 37
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 13 claims Hurricane Isabel, Sep 2003 · 18 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

4G LTE only, no 5G reported

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