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3554 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3554 Windmill Point Rd, White Stone, VA 22578 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,318 sqft · built 2001
Lot Size2.76 acres (120,531 sqft)
OwnerIndividual Name on File
Last Sale$700,000 (Feb 2017)
Tax Bill$73 (2025)
Deeds & MortgagesJun 2020 Mortgage
Feb 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN40B 1 2

Property Details

APN / Parcel Number

Primary APN40B 1 2
Alternative APN
  • 13138

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area3,318 sqft Living Area
Gross Area6,362 sqft
1st Floor Area4,977 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2014
Exterior MaterialVinyl
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area120,531 sqft (2.76 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchSlab
Porch Area180 sqft
Deck Area180 sqft
Patio Area504 sqft
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number13138
Street Address3554 WINDMILL POINT RD
CityWHITE STONE
StateVA
Zip22578-3125
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFOXWELL 2.767 AC LOT 2 LR17/329
Legal SubdivisionFOXWELL
Legal Lot Number2
JurisdictionLANCASTER VA
Township / Civil Division3
Census Block Group1
Census Block1001
Census Tract30301

Owner

Source: Lancaster County records · APN 40B 1 2

Assessment roll updated May 19, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address4802 CARY STREET RD, RICHMOND, VA 23226-1618
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
C&F MORTGAGE CORPORATION
Feb 23, 2017Special Warranty Deed, Transfer · Commercial Mortgage
CITIZENS & FARMERS BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 23, 2017 · Amount on Record
Deed SaleFeb 23, 2017 · Amount on Record
Deed Document Number2017329
Record UpdatedJun 08, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER VA
Property Address3554 WINDMILL POINT RD, WHITE STONE, VA 22578-3125
Transaction TypeMortgage
Record UpdatedDec 22, 2021
Title CompanyLYTLE TITLE AND ESCROW LLC, ELITE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0200001187
DateJun 24, 2020
Instrument200001187
Lender
NameC&F MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJul 01, 2035
Interest
Rate TypeFixed Rate

February 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionLANCASTER VA
Recording DateFeb 23, 2017
Property Address3554 WINDMILL POINT RD, WHITE STONE, VA 22578-3125
Document Number170000329
Instrument DateFeb 14, 2017
Instrument170000329
Transaction TypeTransfer
Record UpdatedNov 23, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4802 CARY STREET RD, RICHMOND, VA 23226-1618

Mortgage

Document Number170000330
DateFeb 23, 2017
Instrument170000330
Lender
NameCITIZENS & FARMERS BANK
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateVirginia
CountyLancaster County
Unified School DistrictLancaster County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$73.00 (-98.64%)$1,339,900 (+56.88%) Land $389,800 Building $950,100$1,339,900 (+56.88%) Land $389,800 Building $950,100
2023$5,380.00$854,100 Land $339,800 Building $514,300$854,100 Land $339,800 Building $514,300

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 69 individual NFIP policies nearby
Nearby Flood Policies77 units insured
8 under condo master policies
Nearby Flood Claims7 (2003–2024)
Most Recent ClaimSep 2024, tidal / storm surge
Claims By Storm
  • Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims
  • Hurricane Isabel, Sep 2003 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cogeco Cable Holdings IICable1,000 / 50
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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