Lancaster County property record for 5356 Windmill Point Rd, White Stone, VA 22578 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,312 sqft · built 2013 |
| Lot Size | 3.6 acres (156,860 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $28 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit May 2021 Refinance + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 36 53 |
| Primary APN | 36 53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| Gross Area | 3,144 sqft |
| 1st Floor Area | 1,984 sqft |
| Basement Area | 404 sqft |
| Unfinished Basement | 336 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 156,860 sqft (3.6 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 224 sqft |
| Deck Area | 224 sqft |
| Patio Area | 336 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Lean-To | 144 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12787 |
|---|---|
| Street Address | 5356 WINDMILL POINT RD |
| City | WHITE STONE |
| State | VA |
| Zip | 22578-3245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ISLAND 3.601 AC LR23/906 LR23/1968 |
| Jurisdiction | LANCASTER VA |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30301 |
Source: Lancaster County records · APN 36 53
Assessment roll updated May 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK |
| May 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC |
| May 25, 2023 | Intrafamily Transfer, Transfer |
| Apr 14, 2020 | Intrafamily Transfer, Transfer |
| Jan 06, 2020 | Deed, Transfer · Conventional Mortgage VIRGINIA COMMONWEALTH BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2020 |
| Deed Sale | Jan 06, 2020 |
| Prior Sale | Aug 15, 2012 · Amount on Record |
| Deed Document Number | 202035 |
| Last Transfer Date | May 21, 2023 |
| Transfer Doc | 0000000906 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | ELITE TITLE AND ESCROW, ELITE TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0240000668 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 240000668 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER VA |
| Property Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Title Company | PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0210001281 |
|---|---|
| Date | May 03, 2021 |
| Instrument | 210001281 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | May 25, 2023 |
| Property Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Number | 0230000906 |
| Instrument Date | May 21, 2023 |
| Instrument | 230000906 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Apr 14, 2020 |
| Property Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Number | 200000697 |
| Instrument Date | Apr 04, 2020 |
| Instrument | 200000697 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER VA |
| Recording Date | Jan 06, 2020 |
| Property Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Number | 0200000035 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 200000035 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5356 WINDMILL POINT RD, WHITE STONE, VA 22578-3245 |
| Document Number | 0200000036 |
|---|---|
| Date | Jan 06, 2020 |
| Instrument | 200000036 |
| Name | VIRGINIA COMMONWEALTH BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2035 |
| Rate Type | Fixed Rate |
|---|
Source: Lancaster County records · Assessment roll updated May 19, 2026 · Last verified August 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 | $28.00 (-98.71%) | $519,200 (+50.41%) Land $156,300 Building $362,900 | $519,200 (+50.41%) Land $156,300 Building $362,900 |
| 2023 | $2,174.00 | $345,200 Land $146,300 Building $198,900 | $345,200 Land $146,300 Building $198,900 |
Source: FEMA National Flood Hazard Layer, Lancaster County (51103C), updated July 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511030303011, 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 69 individual NFIP policies nearby |
| Nearby Flood Policies | 77 units insured 8 under condo master policies |
| Nearby Flood Claims | 7 (2003–2024) |
| Most Recent Claim | Sep 2024, tidal / storm surge |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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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