8739 River Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 8739 River Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1971
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Mar 2026)
Tax Bill	$13 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E 1 173`

Property Details

APN / Parcel Number

Primary APN	`20E 1 173`
Alternative APN	`3828`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	4,540 sqft
1st Floor Area	1,944 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Type	Hip
Roof Material	Metal
Lot Area	50,094 sqft (1.15 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	352 sqft
Deck Area	300 sqft
Shed	1 Shed
Shed Area	880 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3828
Street Address	8739 RIVER RD
City	LANCASTER
State	VA
Zip	22503-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HERITAGE POINT 1.15 AC LR06/3742
Legal Subdivision	HERITAGE POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3012
Census Tract	30100

Owner

Source: Lancaster County records · APN 20E 1 173

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	2 Individual Names on File
Mailing Address	8739 RIVER RD, LANCASTER, VA 22503-3803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WATERSTONE MORTGAGE CORP
Mar 19, 2026	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Mar 05, 2025 · Amount on Record
Deed Document Number	2026502
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	8739 RIVER RD, LANCASTER, VA 22503-3803
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	QUALITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260000504
Date	Mar 19, 2026
Instrument	260000504

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 19, 2026
Property Address	8739 RIVER RD, LANCASTER, VA 22503-3803
Document Number	0260000502
Map Reference	MB 152 PG 702
Instrument Date	Mar 13, 2026
Instrument	260000502
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	QUALITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$265.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8739 RIVER ROAD, KILMARNOCK, VA 22482

Mortgage

Document Number	0260000503
Date	Mar 19, 2026
Instrument	260000503

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

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	$13.00 (-98.65%)	$249,300 (+57.98%) Land $12,000 Building $237,300	$249,300 (+57.98%) Land $12,000 Building $237,300
2023	$964.00	$157,800 Land $12,000 Building $145,800	$157,800 Land $12,000 Building $145,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1985–2020)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2020
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% 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)
Cogeco Cable Holdings II Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Virginia Everywhere.

Based on FCC filings for 26 locations within half a mile of this property.

Cell Coverage

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

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