3655 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3655 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,423 sqft · built 1953
Lot Size	5.11 acres (222,592 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Dec 2017)
Tax Bill	$34 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`36 10A`

Property Details

APN / Parcel Number

Primary APN	`36 10A`
Alternative APN	`12706`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,423 sqft Living Area
Gross Area	2,059 sqft
1st Floor Area	1,423 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	222,592 sqft (5.11 acres)
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	57 sqft
Patio Area	55 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12706
Street Address	3655 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	ISLAND 5.11 AC LR17/2414
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	308 CHESWICK LN, HENRICO, VA 23229-7660
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2017 · Amount on Record
Deed Sale	Dec 20, 2017 · Amount on Record
Deed Document Number	20172414
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Dec 20, 2017
Property Address	3655 WINDMILL POINT RD, WHITE STONE, VA 22578
Document Number	170002414
Instrument Date	Dec 8, 2017
Instrument	170002414
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	308 CHESWICK LN, HENRICO, VA 23229-7660

Mortgage

Document Number	170002415
Date	Dec 20, 2017
Instrument	170002415

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$34.00 (-99%)	$619,800 (+14.71%) Land $387,700 Building $232,100	$619,800 (+14.71%) Land $387,700 Building $232,100
2023	$3,403.00	$540,300 Land $387,700 Building $152,600	$540,300 Land $387,700 Building $152,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	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.

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 10 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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