Lancaster County property record for 2874 Windmill Point Rd, White Stone, VA 22578
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,700 sqft · built 1999 |
| Lot Size | 3.23 acres (140,699 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $53 (2025) |
| Deeds & Mortgages | Sep 2017 Refinance May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35 262E |
| Primary APN | 35 262E |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 5,423 sqft |
| 1st Floor Area | 4,288 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 140,699 sqft (3.23 acres) |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 738 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13332 |
|---|---|
| Street Address | 2874 WINDMILL POINT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | PALMER 3.23 AC DB399/438 399/249 |
| Legal Subdivision | WILLIAM K OWENS PROP |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30301 |
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 | PO BOX 885, WHITE STONE, VA 22578-0885 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance CHESAPEAKE BANK |
| May 6, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 2874 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0170001699 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 170001699 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 7, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 2874 WINDMILL POINT RD, WHITE STONE, VA 22578 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200000850 |
|---|---|
| Date | May 6, 2020 |
| Instrument | 200000850 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.13% |
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 | $53.00 (-98.76%) | $977,800 (+43.67%) Land $395,200 Building $582,600 | $977,800 (+43.67%) Land $395,200 Building $582,600 |
| 2023 | $4,287.00 | $680,600 Land $375,200 Building $305,400 | $680,600 Land $375,200 Building $305,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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