3972 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 3972 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,092 sqft · built 1902
Lot Size	2.09 acres (91,215 sqft)
Owner	Company Name on Record
Last Sale	$128,000 (Jun 2024)
Tax Bill	$13 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2026 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`40C 3 5`

Property Details

APN / Parcel Number

Primary APN	`40C 3 5`
Alternative APN	`13168`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,092 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	3,068 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	91,215 sqft (2.09 acres)
Porch	Slab
Porch Area	480 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	13168
Street Address	3972 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ISLAND 2.094 AC LR12/2434
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	Company Name on Record
Mailing Address	3420 PUMP RD, HENRICO, VA 23233-1111
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN FINANCIAL
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2024 · Amount on Record
Deed Sale	Jun 27, 2024 · Amount on Record
Prior Sale	Feb 3, 2010 · Amount on Record
Deed Document Number	20241160
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Recording Date	Jul 21, 2026
Property Address	3972 WINDMILL POINT RD, WHITE STONE, VA 22578-3104
Document Number	0000001483
Instrument Date	Jul 16, 2026
Instrument	20261483
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000001483,
Date	Jul 21, 2026
Instrument	20261483

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Recording Date	Jul 21, 2026
Property Address	3972 WINDMILL POINT RD, WHITE STONE, VA 22578-3104
Document Number	0000001484
Instrument Date	Jul 16, 2026
Instrument	20261484
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000001484,
Date	Jul 21, 2026
Instrument	20261484

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.47%
Max Rate	-1%

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	$13.00 (-98.9%)	$240,900 (+28.07%) Land $29,900 Building $211,000	$240,900 (+28.07%) Land $29,900 Building $211,000
2023	$1,185.00	$188,100 Land $29,900 Building $158,200	$188,100 Land $29,900 Building $158,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
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 95% of the US · lower than 97.5% 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 21 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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