Lancaster County property record for 2540 Windmill Point Rd, White Stone, VA 22578 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,414 sqft · built 1900 |
| Lot Size | 1.84 acres (80,368 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,250,000 (Sep 2022) |
| Tax Bill | $51 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Sep 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39 42 |
| Primary APN | 39 42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,414 sqft Living Area |
| Gross Area | 4,854 sqft |
| 1st Floor Area | 3,282 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 80,368 sqft (1.84 acres) |
| Garage Area | 1,197 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 264 sqft |
| Deck Area | 200 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12931 |
|---|---|
| Street Address | 2540 WINDMILL POINT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-3012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALMER 1.448 AC SUBMERGED LAND .397 AC LR22/2131 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30301 |
Source: Lancaster County records · APN 39 42
Assessment roll updated May 19, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 1520 FORREST MEADOW LN, MANAKIN SABOT, VA 23103-2659 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2024 | Intrafamily Transfer, Transfer |
| Sep 09, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 16, 2020 | Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK |
| Jul 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 09, 2022 · Amount on Record |
| Deed Sale | Sep 09, 2022 · Amount on Record |
| Prior Sale | Jul 29, 2019 · Amount on Record |
| Deed Document Number | 20222131 |
| Last Transfer Date | Feb 06, 2024 |
| Transfer Doc | 0000000271 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Feb 13, 2024 |
| Property Address | 2540 WINDMILL POINT RD, WHITE STONE, VA 22578-3012 |
| Document Number | 0240000271 |
| Instrument Date | Feb 06, 2024 |
| Instrument | 240000271 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1520 FORREST MEADOW LN, MANAKIN SABOT, VA 23103-2659 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Sep 09, 2022 |
| Property Address | 2540 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Document Number | 0220002131 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 220002131 |
| Transaction Type | Transfer |
| Record Updated | Oct 05, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1520 FORREST MEADOW LN, MANAKIN SABOT, VA 23103-2659 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 2540 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200000517 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 200000517 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Jul 29, 2019 |
| Property Address | 2540 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Document Number | 190001140 |
| Instrument Date | Jul 09, 2019 |
| Instrument | 190001140 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2540 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Document Number | 190001141 |
|---|---|
| Date | Jul 29, 2019 |
| Instrument | 190001141 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51.00 (-98.92%) | $930,500 (+24.33%) Land $354,600 Building $575,900 | $930,500 (+24.33%) Land $354,600 Building $575,900 |
| 2023 | $4,714.00 | $748,400 Land $379,600 Building $368,800 | $748,400 Land $379,600 Building $368,800 |
Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 69 individual NFIP policies nearby |
| Nearby Flood Policies | 77 units insured 8 under condo master policies |
| Nearby Flood Claims | 7 (2003–2024) |
| Most Recent Claim | Sep 2024, tidal / storm surge |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures