4817 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 4817 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,160 sqft · built 1938
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (May 2017)
Tax Bill	$12 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`36 24`

Property Details

APN / Parcel Number

Primary APN	`36 24`
Alternative APN	`12737`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,896 sqft
Basement Area	1,160 sqft
Unfinished Basement	944 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1964
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	312 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	136 sqft
Deck Area	384 sqft
Patio Area	56 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	12737
Street Address	4817 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ISLAND .50 AC LR17/893
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4817 WINDMILL POINT RD, WHITE STONE, VA 22578-3115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2020	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK
May 16, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2017 · Amount on Record
Deed Sale	May 16, 2017 · Amount on Record
Deed Document Number	2017893
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4817 WINDMILL POINT RD, WHITE STONE, VA 22578-3115
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000131
Date	Jan 16, 2020
Instrument	200000131

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	May 16, 2017
Property Address	4817 WINDMILL POINT RD, WHITE STONE, VA 22578-3115
Document Number	170000893
Instrument Date	Apr 3, 2017
Instrument	170000893
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	4817 WINDMILL POINT RD, WHITE STONE, VA 22578-3115

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	$12.00 (-98.77%)	$228,600 (+47.67%) Land $40,000 Building $188,600	$228,600 (+47.67%) Land $40,000 Building $188,600
2023	$975.00	$154,800 Land $40,000 Building $114,800	$154,800 Land $40,000 Building $114,800

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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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