978 Ocran Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 978 Ocran Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,115 sqft · built 1919
Lot Size	3.2 acres (139,523 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jun 2018)
Tax Bill	$7 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35 22`

Property Details

APN / Parcel Number

Primary APN	`35 22`
Alternative APN	`11844`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,115 sqft Living Area
Gross Area	1,315 sqft
1st Floor Area	1,565 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1959
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	139,523 sqft (3.2 acres)
Porch	Patio
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11844
Street Address	978 OCRAN RD
City	WHITE STONE
State	VA
Zip	22578-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CYPRESS FARM 3.203 AC LOT 2 LR18/1152 LR09/71-P P#0001
Legal Subdivision	CYPRESS FARM
Legal Lot Number	2
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2023
Census Tract	30301

Owner

978 Ocran Rd is owned by an individual who bought it in June 2018.

Source: Lancaster County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	1022 OCRAN RD, WHITE STONE, VA 22578-2318
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2018 · Amount on File
Deed Sale	Jun 18, 2018 · Amount on File
Deed Document Number	20181152
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 18, 2018
Property Address	978 OCRAN RD, WHITE STONE, VA 22578-2319
Document Number	180001152
Instrument Date	Jun 7, 2018
Instrument	180001152
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount 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	1022 OCRAN RD, WHITE STONE, VA 22578-2318

Mortgage

Document Number	180001153
Date	Jun 18, 2018
Instrument	180001153

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 978 Ocran Rd was $7.

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	$7.00	$144,100 Land $94,900 Building $49,200	$144,100 Land $94,900 Building $49,200
2023	$716.00	$113,700 Land $89,900 Building $23,800	$113,700 Land $89,900 Building $23,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 978 Ocran Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 978 Ocran Rd 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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.02% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: All Points Broadband.

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