Lancaster County property record for 192 Spindrift Rd, White Stone, VA 22578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,875 sqft · built 1968 |
| Lot Size | 3.1 acres (135,036 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,055,737 (Apr 2022) |
| Tax Bill | $70 (2025) |
| Deeds & Mortgages | Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 33E 1 7 |
| Primary APN | 33E 1 7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,875 sqft Living Area |
| Gross Area | 5,985 sqft |
| 1st Floor Area | 5,270 sqft |
| Basement Area | 2,300 sqft |
| Finished Basement | 1,840 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 135,036 sqft (3.1 acres) |
| Garage Area | 352 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 35 sqft |
| Deck Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 10696 |
|---|---|
| Street Address | 192 SPINDRIFT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SPINDRIFT 3.1 AC LR22/1086 LR23/295-P |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 30301 |
192 Spindrift Rd is owned by an individual who bought it in April 2022.
Source: Lancaster County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3806 DOVER RD, RICHMOND, VA 23221-3319 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on File |
| Deed Sale | Apr 25, 2022 · Amount on File |
| Deed Document Number | 20221086 |
| Prior Transfer Date | Apr 22, 2022 |
| Prior Transfer Doc | 0000001084 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 192 SPINDRIFT RD, WHITE STONE, VA 22578 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220001438 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 220001438 |
| Name | MORGAN STANLEY PRIVATE BANK NATIONAL ASS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.8% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Margin | 3 |
The 2025 property tax bill for 192 Spindrift Rd was $70.
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 | $70.00 | $1,275,800 Land $619,500 Building $656,300 | $1,275,800 Land $619,500 Building $656,300 |
| 2023 | $6,541.00 | $1,038,300 Land $545,000 Building $493,300 | $1,038,300 Land $545,000 Building $493,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 192 Spindrift Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 69 individual policies |
| Nearby Flood Policies | 77 units insured incl. 8 condo units |
| Nearby Flood Claims | 7 (2003–2024) |
| Most Recent Claim | Sep 2024 · tidal / storm surge |
| 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 192 Spindrift 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 99.1% of the US · lower than 99.6% 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
5G (outdoors only) and 4G LTE
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