973 W Point Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 973 W Point Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,343 sqft · built 1999
Lot Size	7.05 acres (307,359 sqft)
Owner	Individual Name on Record
Last Sale	$760,000 (Oct 2022)
Tax Bill	$46 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21 71D`

Property Details

APN / Parcel Number

Primary APN	`21 71D`
Alternative APN	`13534`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,343 sqft Living Area
Gross Area	8,710 sqft
1st Floor Area	4,113 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	307,359 sqft (7.05 acres)
Garage Area	838 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	182 sqft
Patio Area	184 sqft
Shed	1 Shed
Shed Area	240 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	13534
Street Address	973 W POINT RD
City	LANCASTER
State	VA
Zip	22503-3661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MERRY POINT 7.056 AC LR22/2482 PB6/17
Legal Subdivision	MERRY POINT
Jurisdiction	LANCASTER VA
Township / Civil Division	2
Census Block Group	1
Census Block	1031
Census Tract	30200

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	973 W POINT RD, LANCASTER, VA 22503-3661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN ADVISORS GROUP
Oct 31, 2022	Special Warranty Deed, Transfer · ARM GEORGE MASON MORTGAGE LLC
Feb 4, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	20222482
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	973 W POINT RD, LANCASTER, VA 22503-3661
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000197
Date	Feb 4, 2019
Instrument	190000197

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 31, 2022
Property Address	973 W POINT RD, LANCASTER, VA 22503-3661
Document Number	0220002482
Instrument Date	Oct 21, 2022
Instrument	220002482
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	NOT AVAILABLE, HOMELAND TITLE STLMNT AGENCY

Transaction

Amount	Amount Recorded
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	973 W POINT RD, LANCASTER, VA 22503-3661
Investor	Possibly a Property Investor

Mortgage

Document Number	0220002483
Date	Oct 31, 2022
Instrument	220002483

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount Recorded
Term	125 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Change Frequency	Annually

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	973 W POINT RD, LANCASTER, VA 22503-3661
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190000197
Date	Feb 4, 2019
Instrument	190000197

Lender

Name	AMERICAN ADVISORS GROUP

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	733 Months
Due	Mar 23, 2080

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	$46.00 (-98.68%)	$838,100 (+51.53%) Land $182,800 Building $655,300	$838,100 (+51.53%) Land $182,800 Building $655,300
2023	$3,484.00	$553,100 Land $172,800 Building $380,300	$553,100 Land $172,800 Building $380,300

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1985–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2010 · rainfall accumulation

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)
All Points Broadband Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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