3425 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3425 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,356 sqft · built 1954
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (May 2010)
Tax Bill	$21 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`36 8C`

Property Details

APN / Parcel Number

Primary APN	`36 8C`
Alternative APN	`12703`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
Gross Area	3,452 sqft
1st Floor Area	1,356 sqft
Flooring	Vinyl/Resilient
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Garage Area	400 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Patio Area	296 sqft
Shed	1 Shed
Shed Area	168 sqft
Lean-To	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12703
Street Address	3425 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ISLAND .93 AC LR22/2474 LR10/922-P P#0110
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2037
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	3425 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAPTIAL CENTER LLC
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit CALL FEDERAL CREDIT UNION
Oct 28, 2022	Intrafamily Transfer, Transfer
Aug 28, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2010 · Amount on Record
Deed Sale	May 24, 2010 · Amount on Record
Deed Book / Page	1000 / 922
Last Transfer Date	Oct 20, 2022
Transfer Doc	0000002474
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	3425 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 WINDMILL POINT RD, WHITE STONE, VA 22578-3126

Mortgage

Document Number	0260000462
Date	Mar 12, 2026
Instrument	260000462

Lender

Name	CAPTIAL CENTER LLC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	3425 WINDMILL POINT RD, WHITE STONE, VA 22578
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002681
Date	Nov 28, 2022
Instrument	220002681

Lender

Name	CALL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Oct 28, 2022
Property Address	3425 WINDMILL POINT RD, WHITE STONE, VA 22578
Document Number	0220002474
Instrument Date	Oct 20, 2022
Instrument	220002474
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11403 MILLSIDE TER, MIDLOTHIAN, VA 23114-5119

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 28, 2020
Property Address	3425 WINDMILL POINT RD, WHITE STONE, VA 22578
Document Number	0200001822
Instrument Date	Aug 25, 2020
Instrument	200001822
Transaction Type	Transfer
Record Updated	Feb 27, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9308 LEDBURY RD, HENRICO, VA 23229-3911

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	$21.00 (-98.98%)	$396,900 (+21.67%) Land $195,000 Building $201,900	$396,900 (+21.67%) Land $195,000 Building $201,900
2023	$2,055.00	$326,200 Land $195,000 Building $131,200	$326,200 Land $195,000 Building $131,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 174 individual policies
Nearby Flood Policies	190 units insured incl. 16 condo units
Nearby Flood Claims	28 (2003–2023)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 4 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOXWELLS private · serves 218 people · EPA ID VA4103350
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

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

May also be available: All Points Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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