975 Oak Hill Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 975 Oak Hill Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,992 sqft · built 1995
Lot Size	0.544 acres (23,697 sqft)
Owner	Individual Name on Record
Last Sale	$172,500 (Jun 2019)
Tax Bill	$18 (2025)
Deeds & Mortgages	Mar 2022 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26 18K`

Property Details

APN / Parcel Number

Primary APN	`26 18K`
Alternative APN	`6841`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,992 sqft Living Area
Gross Area	3,671 sqft
1st Floor Area	2,904 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,697 sqft (0.544 acres)

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	120 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6841
Street Address	975 OAK HILL RD
City	LANCASTER
State	VA
Zip	22503-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	OAK HILL .5440 AC LR19/917 LR07/2299-P
Legal Subdivision	OAK HILL
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	4
Census Block	4030
Census Tract	30100

Owner

Source: Lancaster County records, as of June 2, 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	975 OAK HILL RD, LANCASTER, VA 22503-4026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY DIRECT MORTGAGE LLC
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Jun 24, 2019	Warranty Deed, Transfer · FHA Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Aug 10, 2007 · Amount on Record
Deed Document Number	2019917
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	975 OAK HILL RD, LANCASTER, VA 22503-4026
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000700
Date	Mar 15, 2022
Instrument	220000700

Lender

Name	FIDELITY DIRECT MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.63%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	975 OAK HILL RD, LANCASTER, VA 22503-4026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001466
Date	Jul 23, 2020
Instrument	200001466

Lender

Name	FIDELITY DIRECT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 24, 2019
Property Address	975 OAK HILL RD, LANCASTER, VA 22503-4026
Document Number	190000917
Instrument Date	Jun 6, 2019
Instrument	190000917
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount Recorded
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	975 OAK HILL RD, LANCASTER, VA 22503-4026

Mortgage

Document Number	190000918
Date	Jun 24, 2019
Instrument	190000918

Lender

Name	FIDELITY DIRECT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	190000919
Date	Jun 24, 2019
Instrument	190000919

Lender

Name	OAK VIEW NATIONAL BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$18.00 (-98.43%)	$330,100 (+81.08%) Land $20,000 Building $310,100	$330,100 (+81.08%) Land $20,000 Building $310,100
2023	$1,148.00	$182,300 Land $20,000 Building $162,300	$182,300 Land $20,000 Building $162,300

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
Flood Insurance Cost	Premium on Record median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	28 (1998–2018)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Nov 2018 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 14 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
All Points Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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