95 Starfish Ln, White Stone, VA 22578 Property Records

Lancaster County property record for 95 Starfish Ln, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,570 sqft · built 1865
Lot Size	3.05 acres (132,858 sqft)
Owner	2 Individual Names on File
Last Sale	$1,550,000 (Oct 2025)
Tax Bill	$45 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2025 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`40B 1 1`

Property Details

APN / Parcel Number

Primary APN	`40B 1 1`
Alternative APN	`13134`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	3,200 sqft
1st Floor Area	3,855 sqft
Flooring	Ceramic Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1979
Exterior Material	Fiber Cement Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	132,858 sqft (3.05 acres)
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	77 sqft
Deck Area	303 sqft
Shed	1 Shed
Shed Area	280 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13134
Street Address	95 STARFISH LN
City	WHITE STONE
State	VA
Zip	22578-3138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FOXWELL 3.05 AC LOT 1 LR22/1261
Legal Subdivision	FOXWELL
Legal Lot Number	1
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1001
Census Tract	30301

Owner

95 Starfish Ln is owned and occupied by two individuals who bought it in October 2025.

Source: Lancaster County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Oct 23, 2025	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
May 13, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST COMPANY
Jun 26, 2017	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on File
Deed Sale	Oct 23, 2025 · Amount on File
Prior Sale	May 13, 2022 · Amount on File
Deed Document Number	20252302
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Recording Date	Sep 11, 2026
Property Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Document Number	0000001969
Instrument Date	Apr 17, 2026
Instrument	20261969
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 STARFISH LN, WHITE STONE, VA 22578-3138

Mortgage

Document Number	0000001969,
Date	Sep 11, 2026
Instrument	20261969

Lender

Name	UBS BANK USA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 23, 2025
Property Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Document Number	0250002302
Instrument Date	Oct 20, 2025
Instrument	250002302
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
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	Tenants by the Entirety
Address	95 STARFISH LN, WHITE STONE, VA 22578-3138

Mortgage

Document Number	0250002303
Date	Oct 23, 2025
Instrument	250002303

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	May 13, 2022
Property Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Document Number	0220001261
Instrument Date	May 4, 2022
Instrument	220001261
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 STARFISH LN, WHITE STONE, VA 22578-3138

Mortgage

Document Number	0220001262
Date	May 13, 2022
Instrument	220001262

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001694
Date	Oct 18, 2019
Instrument	190001694

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

June 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 26, 2017
Property Address	95 STARFISH LN, WHITE STONE, VA 22578-3138
Document Number	170001177
Instrument Date	Jan 1, 2017
Instrument	170001177
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1241 CRYSTAL LAKE CIR, VIRGINIA BEACH, VA 23451-3847

Tax Assessment & Valuation

The 2025 property tax bill for 95 Starfish Ln was $45, down 99% from the year before.

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	$45.00 (-99%)	$821,600 (-) Land $420,800 Building $400,800	$821,600 (-) Land $420,800 Building $400,800
2024	$4,518.00 (+42.12%)	$821,600 (+62.79%) Land $420,800 Building $400,800	$821,600 (+62.79%) Land $420,800 Building $400,800
2023	$3,179.00	$504,700 Land $270,800 Building $233,900	$504,700 Land $270,800 Building $233,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 95 Starfish Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 69 individual policies
Nearby Flood Policies	77 units insured incl. 8 condo units
Nearby Flood Claims	7 (2003–2024)
Most Recent Claim	Sep 2024 · tidal / storm surge
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims 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

Wildfire risk around 95 Starfish Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOXWELLS private · serves 218 people · EPA ID VA4103350
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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