76 Cottage Ln, Irvington, VA 22480 Property Records

Lancaster County property record for 76 Cottage Ln, Irvington, VA 22480

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,812 sqft · built 1983
Lot Size	13.9 acres (605,484 sqft)
Owner	Individual Name on File
Last Sale	$277,200 (Sep 2021)
Tax Bill	$22 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28F 1 5`

Property Details

APN / Parcel Number

Primary APN	`28F 1 5`
Alternative APN	`8673`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	4,444 sqft
1st Floor Area	1,812 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	605,484 sqft (13.9 acres)
Porch	Slab
Porch Area	148 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8673
Street Address	76 COTTAGE LN
City	IRVINGTON
State	VA
Zip	22480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	THE COTTAGES-GOLDEN EAGLE COND 1/22 INT IN 13.9 AC LR21/2699
Legal Subdivision	THE COTTAGES-GOLDEN EAGLE COND
Jurisdiction	LANCASTER VA
Township / Civil Division	5
Census Block Group	3
Census Block	3016
Census Tract	30200

Owner

76 Cottage Ln is owned by an individual who bought it in September 2021.

Source: Lancaster County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3002 COMET RD, HENRICO, VA 23294-4500
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Deed Document Number	20212699
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Sep 23, 2021
Property Address	76 COTTAGE LN, IRVINGTON, VA 22480
Document Number	0210002699
Instrument Date	Sep 20, 2021
Instrument	210002699
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	3002 COMET RD, HENRICO, VA 23294-4500

Mortgage

Document Number	0210002700
Date	Sep 23, 2021
Instrument	210002700

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 76 Cottage Ln was $22.

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	$22.00	$415,000 Land $100,000 Building $315,000	$415,000 Land $100,000 Building $315,000
2023	$1,746.00	$277,200 Land $90,000 Building $187,200	$277,200 Land $90,000 Building $187,200

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

Flood

FEMA maps place 76 Cottage Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2006–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2010 · rainfall accumulation

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

Wildfire risk around 76 Cottage Ln is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	COTTAGES AT THE GOLDEN EAGLE private · serves 44 people · EPA ID VA4103245
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	2 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	2 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: All Points Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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