Lancaster County property record for 4186 Windmill Point Rd, White Stone, VA 22578 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,822 sqft · built 1945 |
| Lot Size | 2 acres (87,207 sqft) |
| Owner | Company Name on File |
| Last Sale | $174,500 (May 2018) |
| Tax Bill | $27 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 36 91D |
| Primary APN | 36 91D |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,822 sqft Living Area |
| Gross Area | 4,006 sqft |
| 1st Floor Area | 3,553 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 87,207 sqft (2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 1,184 sqft |
| Deck Area | Deck Area |
| Patio Area | 460 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12847 |
|---|---|
| Street Address | 4186 WINDMILL POINT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ISLAND 2.002 AC LR18/942 LR22/903-P |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30301 |
Source: Lancaster County records · APN 36 91D
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 Record | Company Name on File |
|---|---|
| Mailing Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 08, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage 3RD PARTY INDIVIDUAL |
| Mar 29, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage 3RD PARTY INDIVIDUAL |
| Jan 31, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage IRA SERVICES TRUST COMPANY |
| May 16, 2018 | Warranty Deed, Transfer PARTY III |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2018 · Amount on Record |
| Deed Sale | May 16, 2018 · Amount on Record |
| Prior Sale | May 26, 2010 · Amount on Record |
| Deed Document Number | 2018942 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0200001307 |
|---|---|
| Date | Jul 08, 2020 |
| Instrument | 200001307 |
| Name | 3RD PARTY INDIVIDUAL |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Aug 01, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210000911 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 210000911 |
| Name | 3RD PARTY INDIVIDUAL |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Title Company | AMERICAN TITLE OF LANCASTER |
| Name | Verified Name |
|---|
| Document Number | 0200000225 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 200000225 |
| Name | IRA SERVICES TRUST COMPANY |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Jun 01, 2020 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | May 16, 2018 |
| Property Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Document Number | 0180000942 |
| Instrument Date | May 13, 2018 |
| Instrument | 180000942 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4186 WINDMILL POINT RD, WHITE STONE, VA 22578-3106 |
| Document Number | 0180000943 |
|---|---|
| Date | May 16, 2018 |
| Instrument | 180000943 |
| Name | PARTY III |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|
Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Lancaster County |
| Unified School District | Lancaster County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27.00 (-98.63%) | $500,700 (+60.28%) Land $39,500 Building $461,200 | $500,700 (+60.28%) Land $39,500 Building $461,200 |
| 2023 | $1,968.00 | $312,400 Land $39,500 Building $272,900 | $312,400 Land $39,500 Building $272,900 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 5.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 69 individual NFIP policies nearby |
| Nearby Flood Policies | 77 units insured 8 under condo master policies |
| Nearby Flood Claims | 7 (2003–2024) |
| Most Recent Claim | Sep 2024, tidal / storm surge |
| Claims By Storm |
|
| Wildfire Risk | Low above 7% of the US · above 5% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 6,250 per year |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures