4925 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 4925 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 6,082 sqft · built 2016
Lot Size	8.4 acres (365,904 sqft)
Owner	2 Company Names on Record
Last Sale	$500,000 (Jan 2013)
Tax Bill	$63 (2025)
Deeds & Mortgages	Feb 2022 Transfer Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`36B 1 6`

Property Details

APN / Parcel Number

Primary APN	`36B 1 6`
Alternative APN	`12876`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	6,082 sqft Living Area
Gross Area	10,707 sqft
1st Floor Area	4,561 sqft
Basement Area	1,354 sqft
Finished Basement	1,354 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2022
Exterior Material	Concrete Block
Roof Type	Flat
Lot Area	365,904 sqft (8.4 acres)
Garage Type	Carport
Garage Area	1,360 sqft
Carport	Carport
Carport Area	1,360 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	792 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12876
Street Address	4925 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	CAMP LITTLE BAY 8.40 AC LOT 6 LR22/294 LR13/243-P P#0364
Legal Subdivision	CAMP LITTLE BAY
Legal Lot Number	6
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	2 Company Names on Record
Mailing Address	PO BOX 33, WHITE STONE, VA 22578-0033
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Intrafamily Transfer, Transfer
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2013 · Amount on Record
Deed Sale	Jan 17, 2013 · Amount on Record
Prior Sale	Jul 5, 2007 · Amount on Record
Deed Book / Page	1300 / 243
Last Transfer Date	Jan 25, 2022
Transfer Doc	0000000294
Record Updated	Jun 8, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER VA
Recording Date	Feb 1, 2022
Property Address	4925 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Document Number	0220000294
Instrument Date	Jan 25, 2022
Instrument	220000294
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 33, WHITE STONE, VA 22578-0033

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4925 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000624
Date	Mar 31, 2017
Instrument	170000624

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4925 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170001158
Date	Jun 22, 2017
Instrument	170001158

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 26, 2027

Interest

Rate Type	Adjustable Rate

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	$63.00 (-98.66%)	$1,154,800 (+54.92%) Land $198,300 Building $956,500	$1,154,800 (+54.92%) Land $198,300 Building $956,500
2023	$4,696.00	$745,400 Land $188,300 Building $557,100	$745,400 Land $188,300 Building $557,100

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 93% of the US · lower than 95% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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