970 Clark Point Dr, White Stone, VA 22578 Property Records

Lancaster County property record for 970 Clark Point Dr, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,078 sqft · built 2004
Lot Size	1.42 acres (62,073 sqft)
Owner	Individual Name on Record
Tax Bill	$60 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`35 129C`

Property Details

APN / Parcel Number

Primary APN	`35 129C`
Alternative APN	`12147`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,078 sqft Living Area
Gross Area	7,910 sqft
1st Floor Area	4,794 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2016
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,073 sqft (1.42 acres)
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	150 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	128 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12147
Street Address	970 CLARK POINT DR
City	WHITE STONE
State	VA
Zip	22578-2812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ANTIPOISON 1.425 AC LR21/3444 LR05/3016-P
Legal Subdivision	ANTIPOISON
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2028
Census Tract	30301

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	970 CLARK POINT DR, WHITE STONE, VA 22578-2812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK
Dec 13, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance JFQ LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 23, 2021
Transfer Doc	0000003444
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	970 CLARK POINT DR, WHITE STONE, VA 22578-2812
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001466
Date	Sep 13, 2019
Instrument	190001466

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	970 CLARK POINT DR, WHITE STONE, VA 22578-2812
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001465
Date	Sep 13, 2019
Instrument	190001465

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Dec 13, 2021
Property Address	970 CLARK POINT DR, WHITE STONE, VA 22578-2812
Document Number	0210003444
Instrument Date	Apr 23, 2021
Instrument	210003444
Transaction Type	Transfer
Record Updated	Jan 26, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CLARK POINT DR, WHITE STONE, VA 22578-2812

Mortgage

Document Number	0210003445
Date	Dec 13, 2021
Instrument	210003445

Lender

Name	JFQ LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	353 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$60.00 (-98.61%)	$1,107,000 (+61.7%) Land $250,300 Building $856,700	$1,107,000 (+61.7%) Land $250,300 Building $856,700
2023	$4,312.00	$684,600 Land $235,300 Building $449,300	$684,600 Land $235,300 Building $449,300

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 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 Record median of 174 individual policies
Nearby Flood Policies	190 units insured incl. 16 condo units
Nearby Flood Claims	28 (2003–2023)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 4 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 93% of the US · lower than 95% 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 23 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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