984 Western Branch Rd, Lancaster, VA 22503 Property Records

Lancaster County property record for 984 Western Branch Rd, Lancaster, VA 22503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 2008
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on File
Tax Bill	$16 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20 17A`

Property Details

APN / Parcel Number

Primary APN	`20 17A`
Alternative APN	`14806`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,160 sqft Living Area
Gross Area	5,024 sqft
1st Floor Area	2,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	90,169 sqft (2.07 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	64 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	14806
Street Address	984 WESTERN BRANCH RD
City	LANCASTER
State	VA
Zip	22503-3578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TOMLIN TOWN 2.070 AC LR08/1064+P
Jurisdiction	LANCASTER VA
Township / Civil Division	1
Census Block Group	3
Census Block	3009
Census Tract	30100

Owner

Source: Lancaster County assessment roll, APN 20 17A, as of May 19, 2026 · Last verified May 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 File
Mailing Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 17, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 31, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578

Mortgage

Document Number	0260000322
Date	Feb 18, 2026
Instrument	260000322

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001420
Date	Jul 17, 2020
Instrument	200001420

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Apr 01, 2046

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001761
Date	Oct 31, 2019
Instrument	190001761

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Mar 01, 2046

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	984 WESTERN BRANCH RD, LANCASTER, VA 22503-3578
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001181
Date	Apr 22, 2021
Instrument	210001181

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Lancaster County assessment roll as of May 19, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Lancaster County
Unified School District	Lancaster County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16.00 (-98.9%)	$306,800 (+33.16%) Land $11,100 Building $295,700	$306,800 (+33.16%) Land $11,100 Building $295,700
2023	$1,451.00	$230,400 Land $11,100 Building $219,300	$230,400 Land $11,100 Building $219,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), as of July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030301003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1985–2020)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2020
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, 5 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	25 / 5

May also be available: T-Mobile USA.

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