Isle Of Wight County property record for 45 Bank St, Windsor, VA 23487
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,605 sqft · built 1963 |
| Lot Size | 0.3 acres (12,962 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Mar 2022) |
| Tax Bill | $1,564 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 54B-08-002 |
| Primary APN | 54B-08-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,605 sqft Living Area |
| 1st Floor Area | 1,605 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,962 sqft (0.3 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 45 BANK ST |
|---|---|
| City | WINDSOR |
| State | VA |
| Zip | 23487-9524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | L 2 R A STOKES SUBDV PLAT 4/125 |
| Legal Subdivision | RA STOKES |
| Legal Lot Number | 2 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | WINDSOR |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 280300 |
45 Bank St is owned and occupied by two individuals who bought it in March 2022.
Source: Isle Of Wight County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BANK ST, WINDSOR, VA 23487-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on File |
| Deed Sale | Mar 1, 2022 · Amount on File |
| Prior Sale | May 21, 2021 · Amount on File |
| Deed Document Number | 20221096 |
| Prior Transfer Date | Mar 18, 2020 |
| Prior Transfer Doc | 0000001585 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Jul 14, 2026 |
| Property Address | 45 BANK ST, WINDSOR, VA 23487-9524 |
| Document Number | 0000003389 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 20263389 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45 BANK ST, WINDSOR, VA 23487-9524 |
| Document Number | 0000003389, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 20263389 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 45 Bank St was $1,564, up 4.5% from the year before.
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Municipality | Windsor Town |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,564.00 (+4.55%) | $193,100 (-) Land $55,000 Building $138,100 | $193,100 (-) Land $55,000 Building $138,100 |
| 2025 | $1,496.00 | $193,100 Land $55,000 Building $138,100 | $193,100 Land $55,000 Building $138,100 |
| 2023 | $193,100 Land $55,000 Building $138,100 | $193,100 Land $55,000 Building $138,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Bank St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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 risk around 45 Bank St is low, with a 0.02% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF WINDSOR serves 2,400 people · EPA ID VA3093900 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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