4940 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 4940 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,496 sqft · built 2006
Lot Size	1.25 acres (54,624 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jan 2019)
Tax Bill	$17 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Nov 2021 Refinance + 4 more
Flood Zone	Zone AE (high risk)
APN	`36 63`

Property Details

APN / Parcel Number

Primary APN	`36 63`
Alternative APN	`12803`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
Gross Area	2,856 sqft
1st Floor Area	2,244 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,624 sqft (1.25 acres)
Garage Area	560 sqft
Porch	Patio
Porch Area	428 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12803
Street Address	4940 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	ISLAND 1.254 AC LR19/114
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Dec 19, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Nov 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jan 17, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2019 · Amount on Record
Deed Sale	Jan 17, 2019 · Amount on Record
Deed Document Number	2019114
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000321
Date	Feb 23, 2024
Instrument	240000321

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003316
Date	Nov 24, 2021
Instrument	210003316

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	2.99%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001939
Date	Jul 7, 2021
Instrument	210001939

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4940 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	190002126
Date	Dec 19, 2019
Instrument	190002126

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	4940 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	200002493
Date	Nov 2, 2020
Instrument	200002493

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jan 17, 2019
Property Address	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117
Document Number	190000114
Instrument Date	Dec 5, 2018
Instrument	190000114
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	PREMIER TITLE AND ESCROW LLC, RIVER TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	4940 WINDMILL POINT RD, WHITE STONE, VA 22578-3117

Mortgage

Document Number	190000115
Date	Jan 17, 2019
Instrument	190000115

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$17.00 (-98.62%)	$320,100 (+63.4%) Land $14,600 Building $305,500	$320,100 (+63.4%) Land $14,600 Building $305,500
2023	$1,234.00	$195,900 Land $14,600 Building $181,300	$195,900 Land $14,600 Building $181,300

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 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 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.

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
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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