78 Bellows Dr E, White Stone, VA 22578 Property Records

Lancaster County property record for 78 Bellows Dr E, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,474 sqft · built 2010
Lot Size	3.15 acres (137,214 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Oct 2019)
Tax Bill	$102 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Apr 2021 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`35H 1 7`

Property Details

APN / Parcel Number

Primary APN	`35H 1 7`
Alternative APN	`12682`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,474 sqft Living Area
Gross Area	8,080 sqft
1st Floor Area	5,790 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	137,214 sqft (3.15 acres)
Garage Area	1,232 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool House	320 sqft
Porch	Slab
Porch Area	1,132 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12682
Street Address	78 BELLOWS DR E
City	WHITE STONE
State	VA
Zip	22578-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	BELLOWS LANDING 3.15 AC LOT 7 LR19/1657 PB4/52
Legal Subdivision	BELLOWS LANDING
Legal Lot Number	7
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2014
Census Tract	30301

Owner

Source: Lancaster County assessment roll, APN 35H 1 7, as of 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	7912 COACH ST, POTOMAC, MD 20854-3807
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 07, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST COMPANY
Apr 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance APEX HOME LOANS INC
Oct 11, 2019	Warranty Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	20191657
Record Updated	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	78 BELLOWS DR E, WHITE STONE, VA 22578-2240
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001747
Date	Sep 07, 2018
Instrument	180001747

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	78 BELLOWS DR E, WHITE STONE, VA 22578-2240
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001089
Date	Apr 15, 2021
Instrument	210001089

Lender

Name	APEX HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 11, 2019
Property Address	78 BELLOWS DR E, WHITE STONE, VA 22578-2240
Document Number	190001657
Instrument Date	Oct 03, 2019
Instrument	190001657
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	7912 COACH ST, POTOMAC, MD 20854-3807

Mortgage

Document Number	190001658
Date	Oct 11, 2019
Instrument	190001658

Lender

Name	APEX HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lancaster County assessment roll as of 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	$102.00 (-98.79%)	$1,872,300 (+40.33%) Land $568,000 Building $1,304,300	$1,872,300 (+40.33%) Land $568,000 Building $1,304,300
2023	$8,405.00	$1,334,200 Land $543,000 Building $791,200	$1,334,200 Land $543,000 Building $791,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), as of July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 174 individual policies
Nearby Flood Policies	190 units insured incl. 16 condo units
Nearby Flood Claims	28 (2003–2023)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 4 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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, 13 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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