11012 Central Hill Rd, Windsor, VA 23487 Property Records

Isle Of Wight County property record for 11012 Central Hill Rd, Windsor, VA 23487

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,658 sqft · built 2024
Lot Size	0.74 acres (32,168 sqft)
Owner	2 Individual Names on File
Last Sale	$389,000 (May 2025)
Tax Bill	$2,716 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38A-01-042`

Property Details

APN / Parcel Number

Primary APN	`38A-01-042`
Alternative APNs	`4000282400` `10127`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
1st Floor Area	2,148 sqft
Attic	Attic
Attic Area	490 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,168 sqft (0.74 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	11012 CENTRAL HILL RD
City	WINDSOR
State	VA
Zip	23487-8125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	L 42 CENTRAL HILL PLAT 1-15-4 OR 1/39
Legal Subdivision	THOMAS N LITTLETON JR CO
Legal Lot Number	42
Jurisdiction	ISLE OF WIGHT VA
Township / Civil Division	HARDY
Census Block Group	2
Census Block	2026
Census Tract	280200

Owner

11012 Central Hill Rd is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	11012 CENTRAL HILL RD, WINDSOR, VA 23487-8125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	2 Names on Deed
Last Sale	May 7, 2025 · Amount on File
Deed Sale	May 7, 2025 · Amount on File
Prior Sale	May 6, 2024 · Amount on File
Deed Document Number	20251877
Record Updated	Oct 29, 2026

May 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLE OF WIGHT VA
Recording Date	May 7, 2025
Property Address	11012 CENTRAL HILL RD, WINDSOR, VA 23487-8125
Document Number	0250001877
Map Reference	MB 1 PG 39
Instrument Date	May 1, 2025
Instrument	250001877
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11012 CENTRAL HILL RD, WINDSOR, VA 23487-8125
Investor	Possibly a Property Investor

Mortgage

Document Number	0250001878
Date	May 7, 2025
Instrument	250001878

Lender

Name	BAYPORT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2028
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	3-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2026 property tax bill for 11012 Central Hill Rd was $2,716, up 4.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,716.00 (+4.5%)	$335,400 (-) Land $45,000 Building $290,400	$335,400 (-) Land $45,000 Building $290,400
2025	$2,599.00	$335,400 Land $45,000 Building $290,400	$335,400 Land $45,000 Building $290,400
2023		$45,700 Land $45,000 Building $700	$45,700 Land $45,000 Building $700

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

Flood

FEMA maps place 11012 Central Hill Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 11012 Central Hill Rd is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Direct burnable vegetation

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

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