1805 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 1805 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,638 sqft · built 1950
Lot Size	0.448 acres (19,511 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Feb 2026)
Tax Bill	$9 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`35 240`

Property Details

APN / Parcel Number

Primary APN	`35 240`
Alternative APN	`12421`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	3,166 sqft
1st Floor Area	2,470 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,511 sqft (0.448 acres)
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	288 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12421
Street Address	1805 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ANTIPOISON .4479 AC DB422/839
Legal Subdivision	ANTIPOISON
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2028
Census Tract	30301

Owner

Source: Lancaster County records, as of May 19, 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 Record
Mailing Address	1805 WINDMILL POINT RD, WHITE STONE, VA 22578-3019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed, Transfer · Conventional Mortgage NFM LENDING
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BLUE RIDGE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Deed Document Number	2026307
Record Updated	Jun 8, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER VA
Recording Date	Feb 17, 2026
Property Address	1805 WINDMILL POINT RD, WHITE STONE, VA 22578-3019
Document Number	0260000307
Map Reference	MB 422 PG 839
Instrument Date	Feb 5, 2026
Instrument	260000307
Transaction Type	Transfer
Record Updated	Mar 4, 2026
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 WINDMILL POINT RD, WHITE STONE, VA 22578-3019

Mortgage

Document Number	0260000308
Date	Feb 17, 2026
Instrument	260000308

Lender

Name	NFM LENDING
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	1805 WINDMILL POINT RD, WHITE STONE, VA 22578-3019
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000892
Date	Mar 26, 2021
Instrument	210000892

Lender

Name	BLUE RIDGE BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

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	$9.00 (-98.39%)	$172,400 (+94.14%) Land $14,000 Building $158,400	$172,400 (+94.14%) Land $14,000 Building $158,400
2023	$559.00	$88,800 Land $11,000 Building $77,800	$88,800 Land $11,000 Building $77,800

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 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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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