2114 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 2114 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,612 sqft · built 1900
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Trust Names on File
Tax Bill	$41 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`39 27`

Property Details

APN / Parcel Number

Primary APN	`39 27`
Alternative APN	`12905`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,612 sqft Living Area
Gross Area	5,028 sqft
1st Floor Area	3,228 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1959
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	219,542 sqft (5.04 acres)
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	20 sqft
Cabin	192 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12905
Street Address	2114 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PALMER 5.04 AC LR18/1523
Legal Subdivision	CLYDE CLAYTON HURT
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1001
Census Tract	30301

Owner

2114 Windmill Point Rd is owner-occupied and held in a trust since August 2018.

Source: Lancaster County records, as of May 19, 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	2 Trust Names on File
Mailing Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage VIRGINIA COMMONWEALTH BANK
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
Aug 6, 2018	Special Warranty Deed, Transfer
Jun 27, 2018	Gift Deed, Transfer
Mar 29, 2017	Warranty Deed, Transfer · Commercial Mortgage BANK OF LANCASTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018
Deed Sale	Aug 6, 2018
Prior Sale	Mar 29, 2017 · Amount on File
Deed Document Number	20181523
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001459
Date	Jul 30, 2018
Instrument	180001459

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE OF LANCASTER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190001931
Date	Nov 22, 2019
Instrument	190001931

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 6, 2018
Property Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Document Number	180001523
Instrument Date	Aug 6, 2018
Instrument	180001523
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016

June 2018: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 27, 2018
Property Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Document Number	180001224
Instrument Date	Jun 17, 2018
Instrument	180001224
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 29, 2017
Property Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016
Document Number	170000575
Instrument Date	Mar 13, 2017
Instrument	170000575
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 WINDMILL POINT RD, WHITE STONE, VA 22578-3016

Mortgage

Document Number	170000576
Date	Mar 29, 2017
Instrument	170000576

Lender

Name	BANK OF LANCASTER

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 3, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2114 Windmill Point Rd was $41.

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	$41.00	$752,800 Land $385,400 Building $367,400	$752,800 Land $385,400 Building $367,400
2023	$647.00	$578,900 Land $365,400 Building $213,500	$578,900 Land $365,400 Building $213,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2114 Windmill Point 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	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 2114 Windmill Point Rd is low, with 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 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

5G (outdoors only) and 4G LTE

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