3465 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3465 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Other Improved
Lot Size	5.27 acres (229,561 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2023)
Tax Bill	$24 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12700`

Property Details

APN / Parcel Number

Primary APN	`12700`
Alternative APN	`36 8`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,580 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Mobile Home
Lot Area	229,561 sqft (5.27 acres)
Deck Area	Deck Area
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12700
Street Address	3465 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3126
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R1
Legal Description	ISLAND 5.27 AC LR23/1361
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2037
Census Tract	30301

Owner

Source: Lancaster County records, as of October 20, 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	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Aug 4, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 23, 2020	Warranty Deed, Transfer · Line of Credit COLONIAL FARM CREDIT ACA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	20231361
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000519
Date	Mar 28, 2024
Instrument	240000519

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 4, 2023
Property Address	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Document Number	0230001361
Instrument Date	Aug 1, 2023
Instrument	230001361
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Sep 23, 2020
Property Address	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126
Document Number	200002108
Instrument Date	Sep 17, 2020
Instrument	200002108
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	3465 WINDMILL POINT RD, WHITE STONE, VA 22578-3126

Mortgage

Document Number	200002109
Date	Sep 23, 2020
Instrument	200002109

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$24.00 (-99.1%)	$438,400 (+3.54%) Land $437,200 Building $1,200	$438,400 (+3.54%) Land $437,200 Building $1,200
2023	$2,667.00	$423,400 (-) Land $422,200 Building $1,200	$423,400 (-) Land $422,200 Building $1,200
2022		$423,400 Land $422,200 Building $1,200
2021			$423,400 Land $422,200 Building $1,200

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 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 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 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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