Lancaster County property record for 5013 Windmill Point Rd, White Stone, VA 22578 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,256 sqft · built 1891 |
| Lot Size | 1.21 acres (53,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Dec 2020) |
| Tax Bill | $6 (2025) |
| Deeds & Mortgages | Jul 2022 Refinance Dec 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 36 61 |
| Primary APN | 36 61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,512 sqft |
| 1st Floor Area | 1,676 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 53,056 sqft (1.21 acres) |
| Porch | Patio |
|---|---|
| Porch Area | 256 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Wood |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 12799 |
|---|---|
| Street Address | 5013 WINDMILL POINT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-3118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ISLAND 1.218 AC LR20/2782 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 30301 |
Source: Lancaster County records · APN 36 61
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 | Individual Name on File |
|---|---|
| Mailing Address | 1012 FEDERAL ST, LYNCHBURG, VA 24504-3017 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BLUE RIDGE BANK NA |
| Dec 04, 2020 | Warranty Deed, Transfer · Conventional Mortgage CHESAPEAKE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 04, 2020 · Amount on Record |
| Deed Sale | Dec 04, 2020 · Amount on Record |
| Prior Sale | Sep 15, 2010 · Amount on Record |
| Deed Document Number | 20202782 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 5013 WINDMILL POINT RD, WHITE STONE, VA 22578-3118 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220001837 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 220001837 |
| Name | BLUE RIDGE BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Dec 04, 2020 |
| Property Address | 5013 WINDMILL POINT RD, WHITE STONE, VA 22578-3118 |
| Document Number | 200002782 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 200002782 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1012 FEDERAL ST, LYNCHBURG, VA 24504-3017 |
| Document Number | 200002783 |
|---|---|
| Date | Dec 04, 2020 |
| Instrument | 200002783 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Rate Type | Adjustable 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 | $6.00 (-98.73%) | $121,400 (+61.65%) Land $14,500 Building $106,900 | $121,400 (+61.65%) Land $14,500 Building $106,900 |
| 2023 | $473.00 | $75,100 Land $14,500 Building $60,600 | $75,100 Land $14,500 Building $60,600 |
Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303012, 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 174 individual NFIP policies nearby |
| Nearby Flood Policies | 190 units insured 16 under condo master policies |
| Nearby Flood Claims | 28 (2003–2023) |
| Claims Outside the SFHA | 1 of 28 |
| Most Recent Claim | Sep 2023, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Low above 7% of the US · above 5% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 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.
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