78 Colony Ln, Lancaster, VA 22503 Property Records

Lancaster County property record for 78 Colony Ln, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,078 sqft · built 1967
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2022)
Tax Bill	$22 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26H 1 7A`

Property Details

APN / Parcel Number

Primary APN	`26H 1 7A`
Alternative APN	`7261`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	5,250 sqft
1st Floor Area	2,044 sqft
Basement Area	420 sqft
Unfinished Basement	420 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	660 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7261
Street Address	78 COLONY LN
City	LANCASTER
State	VA
Zip	22503-4151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MYERS CREEK 1.50 AC LR22/1986
Legal Subdivision	MYERS CREEK
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4028
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	Individual Name on Record
Mailing Address	78 COLONY LN, LANCASTER, VA 22503-4151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Deed Document Number	20221986
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	78 COLONY LN, LANCASTER, VA 22503-4151
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 COLONY LN, LANCASTER, VA 22503-4151

Mortgage

Document Number	0250002286
Date	Oct 21, 2025
Instrument	250002286

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 18, 2022
Property Address	78 COLONY LN, LANCASTER, VA 22503-4151
Document Number	0220001986
Instrument Date	Aug 16, 2022
Instrument	220001986
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	PREMIER TITLE AND ESCROW LLC, RIVER TITLE & ESCROW LLC

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	PO BOX 233, IRVINGTON, VA 22480-0233

Mortgage

Document Number	0220001987
Date	Aug 18, 2022
Instrument	220001987

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.25%

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	$22.00 (-98.86%)	$405,100 (+32.13%) Land $157,500 Building $247,600	$405,100 (+32.13%) Land $157,500 Building $247,600
2023	$1,931.00	$306,600 Land $157,500 Building $149,100	$306,600 Land $157,500 Building $149,100

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
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

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.01% 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	COVE COLONY private · serves 105 people · EPA ID VA4103250
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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