Lancaster County property record for 986 Ivey Creek Rd, Lancaster, VA 22503
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,894 sqft · built 1999 |
| Lot Size | 3.5 acres (152,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $725,000 (Mar 2023) |
| Tax Bill | $45 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 5 5 |
| Primary APN | 5 5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,894 sqft Living Area |
| Gross Area | 6,702 sqft |
| 1st Floor Area | 5,410 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | EIFS / Synthetic Stucco |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 152,460 sqft (3.5 acres) |
| View / Lot | Waterfront |
| Garage Area | 688 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 78 sqft |
| Patio Area | 148 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 46 |
|---|---|
| Street Address | 986 IVEY CREEK RD |
| City | LANCASTER |
| State | VA |
| Zip | 22503-3235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | NR MORATTICO 3.50 AC LR23/473 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Village of Morattico Historic District listed 2011 · 73 contributing resources · NRIS 11000857 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
986 Ivey Creek Rd is owned and occupied by an individual who bought it in March 2023.
Source: Lancaster County records, as of May 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 986 IVEY CREEK RD, LANCASTER, VA 22503-3235 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 21, 2023 | Warranty Deed, Transfer · VA Mortgage ATLANTIC COAST MORTGAGE LLC |
| Mar 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2023 · Amount on File |
| Deed Sale | Mar 21, 2023 · Amount on File |
| Prior Sale | Mar 11, 2020 · Amount on File |
| Deed Document Number | 2023473 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Mar 21, 2023 |
| Property Address | 986 IVEY CREEK RD, LANCASTER, VA 22503-3235 |
| Document Number | 0230000473 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 230000473 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2023 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 986 IVEY CREEK RD, LANCASTER, VA 22503-3235 |
| Document Number | 0230000474 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 230000474 |
| Name | ATLANTIC COAST MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Mar 11, 2020 |
| Property Address | 986 IVEY CREEK RD, LANCASTER, VA 22503-3235 |
| Document Number | 200000495 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 200000495 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6300 MALLARD LN, LOTHIAN, MD 20711-9751 |
| Document Number | 200000497 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 200000497 |
| Name | FIRST HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 986 Ivey Creek Rd was $45.
Source: Lancaster County assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45.00 | $827,500 Land $169,800 Building $657,700 | $827,500 Land $169,800 Building $657,700 |
| 2023 | $1,072.00 | $554,100 Land $159,800 Building $394,300 | $554,100 Land $159,800 Building $394,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 986 Ivey Creek Rd in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 42 policies |
| Nearby Flood Policies | 42 in force |
| Nearby Flood Claims | 37 (1996–2011) |
| Claims Outside the SFHA | 3 of 37 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 risk around 986 Ivey Creek Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| All Points Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures