Lancaster County property record for 89 Chesapeake Dr, White Stone, VA 22578
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 648 sqft · built 1950 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2025) |
| Tax Bill | $5 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Mar 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34 71 |
| Primary APN | 34 71 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 648 sqft Living Area |
| Gross Area | 1,440 sqft |
| 1st Floor Area | 648 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Paneling |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 10861 |
|---|---|
| Street Address | 89 CHESAPEAKE DR |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-2682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WHITE STONE 1 AC LR22/518 |
| Legal Subdivision | WHITE STONE |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 30302 |
Source: Lancaster County records · APN 34 71
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 | Individual Name on File |
|---|---|
| Mailing Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 05, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BLUE RIDGE BANK NA |
| Mar 13, 2020 | Deed of Trust, Mortgage · Commercial Mortgage VIRGINIA CREDIT UNION INC |
| Mar 06, 2007 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY ONE INCORP |
| Sep 19, 2025 | Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Feb 23, 2022 | Warranty Deed, Transfer · Line of Credit CHESAPEAKE BANK |
| Jan 02, 2008 | Trustee's Deed, Foreclosure · Conventional Mortgage CHESAPEAKE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on Record |
| Deed Sale | Sep 19, 2025 · Amount on Record |
| Prior Sale | Feb 23, 2022 · Amount on Record |
| Deed Document Number | 20251967 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210000969 |
|---|---|
| Date | Apr 05, 2021 |
| Instrument | 210000969 |
| Name | BLUE RIDGE BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200000515 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 200000515 |
| Name | VIRGINIA CREDIT UNION INC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000700/587 |
|---|---|
| Date | Mar 06, 2007 |
| Book Page | 700/587 |
| Name | EQUITY ONE INCORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 07, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.44% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Sep 19, 2025 |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Document Number | 0250001967 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 250001967 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | FIDELITY NATL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Document Number | 0250001968 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 250001968 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Number | 0250001969 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 250001969 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Feb 23, 2022 |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Document Number | 0220000518 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 220000518 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 150 STRAWBERRY PLAINS RD STE B, B, WILLIAMSBURG, VA 23188-3408 |
| Document Number | 0220000519 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 220000519 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Jan 02, 2008 |
| Property Address | 89 CHESAPEAKE DR, WHITE STONE, VA 22578-2682 |
| Document Number | 0000800/33 |
| Book / Page | 800 / 33 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000080034 |
|---|---|
| Date | Jan 02, 2008 |
| Instrument | 800/34 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5.00 (-99.03%) | $93,300 (-) Land $35,000 Building $58,300 | $93,300 (-) Land $35,000 Building $58,300 |
| 2024 | $513.00 (+28.57%) | $93,300 (+47.16%) Land $35,000 Building $58,300 | $93,300 (+47.16%) Land $35,000 Building $58,300 |
| 2023 | $399.00 | $63,400 Land $35,000 Building $28,400 | $63,400 Land $35,000 Building $28,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
Based on FCC filings for 90 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WHITE STONE private · serves 825 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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