3234 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3234 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,280 sqft · built 2007
Lot Size	4.58 acres (199,505 sqft)
Owner	Individual Name on Record
Last Sale	$1,207,500 (May 2018)
Tax Bill	$77 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12688`

Property Details

APN / Parcel Number

Primary APN	`12688`
Alternative APN	`36 4`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,280 sqft Living Area
Gross Area	9,587 sqft
1st Floor Area	3,760 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2017
Exterior Material	Fiber Cement Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	199,505 sqft (4.58 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	237 sqft
Deck Area	1,758 sqft
Shed	1 Shed
Shed Area	100 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12688
Street Address	3234 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THE ISLAND VIEW 4.58 AC LOT 4 INC 1.56 AC SUBMERGED LR18/913 LR17/418-P P#0691
Legal Subdivision	THE ISLAND VIEW
Legal Lot Number	4
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1001
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	2719 STRATFORD RD, RICHMOND, VA 23225-1928
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Deed Document Number	2018913
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	May 11, 2018
Property Address	3234 WINDMILL POINT RD, WHITE STONE, VA 22578-3100
Document Number	180000913
Instrument Date	May 7, 2018
Instrument	180000913
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	APPOMATTOX TITLE COMPANY INC

Transaction

Amount	Amount Recorded
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	11337 SHORECREST LN, CHESTERFIELD, VA 23838-8953

Mortgage

Document Number	180000914
Date	May 11, 2018
Instrument	180000914

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	May 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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	$77.00 (-98.85%)	$1,414,900 (+33.44%) Land $461,600 Building $953,300	$1,414,900 (+33.44%) Land $461,600 Building $953,300
2023	$6,679.00	$1,060,300 Land $511,600 Building $548,700	$1,060,300 Land $511,600 Building $548,700

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

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 100 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	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

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

Wildfire Risk	Low lower than 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% 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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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