65 Clover Ln, Montross, VA 22520 Property Records

Westmoreland County property record for 65 Clover Ln, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,504 sqft · built 1992
Owner	Individual Name on Record
Last Sale	$178,500 (May 2021)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`34A1-2-2-10`

Property Details

APN / Parcel Number

Primary APN	`34A1-2-2-10`
Alternative APN	`19733`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Porch	Open Porch
Deck Area	216 sqft
Lean-To	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	19733
Old Parcel Number	34A1-2-2-10
Street Address	65 CLOVER LN
City	MONTROSS
State	VA
Zip	22520-2764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	MABEL J HARRIS SUB LOT 10 BK 2 SEC 1DB 943 PG 646
Legal Subdivision	MABEL J HARRIS
Legal Block	2
Legal Lot Number	10
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	2
Census Block	2010
Census Tract	10200

Owner

Source: Westmoreland County records, as of January 7, 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 Record
Mailing Address	28 W LEE WAY, MONTROSS, VA 22520-9028
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Dec 2, 2020	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Dec 2, 2020
Deed Document Number	0000943646
Deed Book / Page	943 / 646
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 7, 2021
Property Address	65 CLOVER LN, MONTROSS, VA 22520-2764
Document Number	0009430646
Instrument Date	Apr 28, 2021
Instrument	09430646
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	NOT AVAILABLE, JOURNEY SETTLEMENTS

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	65 CLOVER LN, MONTROSS, VA 22520-2764

Mortgage

Document Number	0009430650
Date	May 7, 2021
Instrument	09430650

Lender

Name	PLANET HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 2, 2020
Property Address	65 CLOVER LN, MONTROSS, VA 22520-2764
Document Number	0009380179
Instrument Date	Nov 6, 2020
Instrument	09380179
Transaction Type	Transfer
Record Updated	Jan 13, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 CLOVER LN, MONTROSS, VA 22520-2764

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Municipality	Montross Town
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,056.00 (+9.66%)	$155,400 (-) Land $26,800 Building $128,600	$155,400 (-) Land $26,800 Building $128,600
2023	$963.00	$155,400 Land $26,800 Building $128,600	$155,400 Land $26,800 Building $128,600

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 May 22, 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
Nearby Flood Policies	1 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MONTROSS serves 1,163 people · EPA ID VA4193680
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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

May also be available: All Points Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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