Lancaster County property record for 86 Elm St, White Stone, VA 22578
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,104 sqft · built 1980 |
| Lot Size | 0.203 acres (8,867 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $10 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 29B 111 39 |
| Primary APN | 29B 111 39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 2,280 sqft |
| 1st Floor Area | 1,992 sqft |
| Basement Area | 1,080 sqft |
| Finished Basement | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,867 sqft (0.203 acres) |
| Deck Area | 96 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Gazebo | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 9111 |
|---|---|
| Street Address | 86 ELM ST |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | DYMER SHORE EST 2 LOTS LOT 40 LR14/1235 |
| Legal Subdivision | DYMER SHORE EST |
| Legal Lot Number | 40 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 30301 |
86 Elm St, a single family home, is owned by an individual.
Source: Lancaster County records, as of May 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2118 PROVIDENCE GLEN TURN, NORTH CHESTERFIELD, VA 23236-5297 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 86 ELM ST, WHITE STONE, VA 22578-2110 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | LENDER RECORDING SERVICES, LENDER RECORDING SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0220000115 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 220000115 |
| Name | ATLANTIC UNION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 86 Elm St was $10.
Source: Lancaster County assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10.00 | $188,000 Land $5,000 Building $183,000 | $188,000 Land $5,000 Building $183,000 |
| 2023 | $842.00 | $133,800 Land $5,000 Building $128,800 | $133,800 Land $5,000 Building $128,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Elm St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 86 Elm St 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
5G (outdoors only) and 4G LTE
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