94 Elm Dr, Lancaster, VA 22503 Property Records

Lancaster County property record for 94 Elm Dr, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,693 sqft · built 1997
Lot Size	2.1 acres (91,476 sqft)
Owner	Individual Name on Record
Tax Bill	$14 (2025)
Deeds & Mortgages	May 2020 Line of Credit Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20E 1 51`

Property Details

APN / Parcel Number

Primary APN	`20E 1 51`
Alternative APN	`3694`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	3,721 sqft
1st Floor Area	2,645 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	91,476 sqft (2.1 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	32 sqft
Lean-To	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3694
Street Address	94 ELM DR
City	LANCASTER
State	VA
Zip	22503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HERITAGE POINT 2.1 AC DB370/216
Legal Subdivision	HERITAGE POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3015
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	PO BOX 24, MOLLUSK, VA 22517-0024
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Line of Credit TIAA FSB
Oct 15, 2021	Deed of Trust, Mortgage · Line of Credit TIAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	94 ELM DR, LANCASTER, VA 22503
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000949
Date	May 19, 2020
Instrument	200000949

Lender

Name	TIAA FSB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	94 ELM DR, LANCASTER, VA 22503
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002895
Date	Oct 15, 2021
Instrument	210002895

Lender

Name	TIAA FSB

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$14.00 (-98.55%)	$256,400 (+67.04%) Land $17,800 Building $238,600	$256,400 (+67.04%) Land $17,800 Building $238,600
2023	$967.00	$153,500 Land $17,800 Building $135,700	$153,500 Land $17,800 Building $135,700

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
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

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: All Points Broadband.

Cell Coverage

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

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