Lancaster County property record for 890 Kelley Neck Rd, Lancaster, VA 22503
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,464 sqft · built 2005 |
| Lot Size | 4.9 acres (213,444 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21B 1 4F |
| Primary APN | 21B 1 4F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,464 sqft Living Area |
| Gross Area | 5,628 sqft |
| 1st Floor Area | 3,248 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 213,444 sqft (4.9 acres) |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 193 sqft |
| Deck Area | 27 sqft |
| Patio Area | 432 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 4401 |
|---|---|
| Street Address | 890 KELLEY NECK RD |
| City | LANCASTER |
| State | VA |
| Zip | 22503-3641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | W BRANCH 4.9 AC DB442/335 WF12/41 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 30100 |
Source: Lancaster County records, as of July 20, 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 | 890 KELLEY NECK RD, LANCASTER, VA 22503-3641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Construction Mortgage INTERCOASTAL MORTGAGE LLC |
| Feb 11, 2022 | Deed of Trust, Mortgage · Balloon Mortgage CHESAPEAKE BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Jun 26, 2026 |
| Property Address | 890 KELLEY NECK RD, LANCASTER, VA 22503-3641 |
| Document Number | 0000001295 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20261295 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 890 KELLEY NECK RD, LANCASTER, VA 22503-3641 |
| Document Number | 0000001295, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 20261295 |
| Name | INTERCOASTAL MORTGAGE LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 7 Months |
| Due | Jan 1, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 8.63% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 890 KELLEY NECK RD, LANCASTER, VA 22503-3641 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | LYTLE TITLE AND ESCROW LLC, ELITE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0220000406 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 220000406 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $47.00 (-98.76%) | $857,600 (+42.91%) Land $245,300 Building $612,300 | $857,600 (+42.91%) Land $245,300 Building $612,300 |
| 2023 | $3,780.00 | $600,100 Land $230,300 Building $369,800 | $600,100 Land $230,300 Building $369,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 in force |
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: 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 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| All Points Broadband Fiber | 1,000 / 1,000 |
May also be available: Verizon.
4G LTE (outdoors only), no 5G reported
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