10174 Bank St, Windsor, VA 23487 Property Records

Isle Of Wight County property record for 10174 Bank St, Windsor, VA 23487

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 2026
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$384,999 (Jul 2026)
Tax Bill	$2,445 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-01-103`

Property Details

APN / Parcel Number

Primary APN	`53-01-103`
Alternative APNs	`5001181000` `12348`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Connected

Location & Zoning

Street Address	10176 BANK ST
City	WINDSOR
State	VA
Zip	23487-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	ADJ ALEX BALLARD PLAT I#250002738
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	WINDSOR
Census Block Group	3
Census Block	3033
Census Tract	280300

Owner

Source: Isle Of Wight County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10176 BANK ST, WINDSOR, VA 23487-9510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage OCMBC INC
Jun 10, 2026	Deed, Transfer FIDELITY NATIONAL TITLE
Mar 30, 2026	Bargain and Sale Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Mar 30, 2026 · Amount on Record
Deed Document Number	20263624
Record Updated	Oct 29, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jul 27, 2026
Property Address	10176 BANK ST, WINDSOR, VA 23487-9510
Document Number	0000003624
Instrument Date	Jul 13, 2026
Instrument	20263624
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,885.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10176 BANK ST, WINDSOR, VA 23487-9510

Mortgage

Document Number	0000003625,
Date	Jul 27, 2026
Instrument	20263625

Lender

Name	OCMBC INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Jun 10, 2026
Property Address	10174 BANK ST, WINDSOR, VA 23487-9510
Document Number	0000002771
Instrument Date	Jun 4, 2026
Instrument	20262771
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10174 BANK ST, WINDSOR, VA 23487-9510

March 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	Mar 30, 2026
Property Address	10174 BANK ST, WINDSOR, VA 23487-9510
Document Number	0260001452
Map Reference	DOC 25002738
Instrument Date	Mar 15, 2026
Instrument	260001452
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10174 BANK ST, WINDSOR, VA 23487-9510

Tax Assessment & Valuation

Source: Isle Of Wight County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Isle Of Wight County
Municipality	Windsor Town
Unified School District	Isle of Wight County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,445.00 (+602.59%)	$301,900 (+654.75%) Land $40,000 Building $261,900	$301,900 (+654.75%) Land $40,000 Building $261,900
2025	$348.00	$40,000 (-11.11%) Land $40,000	$40,000 (-11.11%) Land $40,000
2023		$45,000 Land $45,000	$45,000 Land $45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · 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	3 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF WINDSOR serves 2,400 people · EPA ID VA3093900
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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