72 Otter Dr, Lancaster, VA 22503 Property Records

Lancaster County property record for 72 Otter Dr, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 1968
Lot Size	1.37 acres (59,808 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Dec 2018)
Tax Bill	$21 (2025)
Deeds & Mortgages	Oct 2021 Refinance Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31D 1 17`

Property Details

APN / Parcel Number

Primary APN	`31D 1 17`
Alternative APN	`9570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	3,178 sqft
1st Floor Area	1,490 sqft
Basement Area	418 sqft
Unfinished Basement	418 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1986
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	59,808 sqft (1.37 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	198 sqft
Shed	1 Shed
Shed Area	160 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9570
Street Address	72 OTTER DR
City	LANCASTER
State	VA
Zip	22503-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHITE HOUSE CREEK EST 1.373 AC 31D 1 16A 18 19A LR18/2347 DB391/600-P
Legal Subdivision	WHITE HOUSE CREEK EST
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4022
Census Tract	30100

Owner

Source: Lancaster County records · APN 31D 1 17

Assessment roll updated May 19, 2026 · Last verified May 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 File
Mailing Address	7625 MENDOTA PL, SPRINGFIELD, VA 22150-4125
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Dec 28, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	20182347
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	72 OTTER DR, LANCASTER, VA 22503-4224
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002958
Date	Oct 22, 2021
Instrument	210002958

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2041

Interest

Rate Type	Fixed Rate
Rate	2.63%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Dec 28, 2018
Property Address	72 OTTER DR, LANCASTER, VA 22503-4224
Document Number	180002347
Instrument Date	Dec 21, 2018
Instrument	180002347
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	7625 MENDOTA PL, SPRINGFIELD, VA 22150-4125

Mortgage

Document Number	180002348
Date	Dec 28, 2018
Instrument	180002348

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21.00 (-98.94%)	$399,200 (+27.05%) Land $128,400 Building $270,800	$399,200 (+27.05%) Land $128,400 Building $270,800
2023	$1,979.00	$314,200 Land $128,400 Building $185,800	$314,200 Land $128,400 Building $185,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Virginia Everywhere Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Based on FCC filings for 32 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on Otter Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures