694 Morattico Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 694 Morattico Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,248 sqft · built 1778
Lot Size	10.2 acres (444,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Aug 2025)
Tax Bill	$32 (2025)
Deeds & Mortgages	Dec 2017 Refinance Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7 64E`

Property Details

APN / Parcel Number

Primary APN	`7 64E`
Alternative APN	`643`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,248 sqft Living Area
Gross Area	5,254 sqft
1st Floor Area	4,872 sqft
Basement Area	1,000 sqft
Finished Basement	250 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1778
Effective Year Built	Effective 1959
Exterior Material	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	444,312 sqft (10.2 acres)
Garage Area	4,140 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	576 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	643
Street Address	694 MORATTICO RD
City	LANCASTER
State	VA
Zip	22503-3037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HOLYOKE 10.2 AC LR21/1865 LR12/1047-P P#0306
Legal Subdivision	HOLYOKE
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1015
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	2 Individual Names on Record
Mailing Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance PRICE MORTGAGE GROUP LLC
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Aug 29, 2025	Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Dec 20, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on Record
Deed Sale	Aug 29, 2025 · Amount on Record
Prior Sale	Jun 29, 2021 · Amount on Record
Deed Document Number	20251815
Prior Transfer Date	Dec 20, 2019
Prior Transfer Doc	0000002142
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170002328
Date	Dec 8, 2017
Instrument	170002328

Lender

Name	PRICE MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000423
Date	Feb 15, 2022
Instrument	220000423

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jan 15, 2062

Interest

Rate Type	Adjustable Rate

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 29, 2025
Property Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Document Number	0250001815
Instrument Date	Aug 28, 2025
Instrument	250001815
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	694 MORATTICO RD, LANCASTER, VA 22503-3037

Mortgage

Document Number	0250001816
Date	Aug 29, 2025
Instrument	250001816

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 29, 2021
Property Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Document Number	210001865
Instrument Date	Jun 22, 2021
Instrument	210001865
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	694 MORATTICO RD, LANCASTER, VA 22503-3037

Mortgage

Document Number	210001866
Date	Jun 29, 2021
Instrument	210001866

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Dec 20, 2019
Property Address	694 MORATTICO RD, LANCASTER, VA 22503-3037
Document Number	190002142
Instrument Date	Dec 20, 2019
Instrument	190002142
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	694 MORATTICO RD, LANCASTER, VA 22503-3037

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	$32.00 (-99.02%)	$591,800 (-) Land $61,400 Building $530,400	$591,800 (-) Land $61,400 Building $530,400
2024	$3,254.00 (+26.76%)	$591,800 (+45.23%) Land $61,400 Building $530,400	$591,800 (+45.23%) Land $61,400 Building $530,400
2023	$2,567.00	$407,500 Land $61,400 Building $346,100	$407,500 Land $61,400 Building $346,100

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

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

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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