5570 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 5570 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,208 sqft · built 1994
Lot Size	19.7 acres (860,354 sqft)
Owner	Individual Name on Record
Last Sale	$501,000 (Aug 2020)
Tax Bill	$43 (2025)
Deeds & Mortgages	Nov 2021 Refinance Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`36 50`

Property Details

APN / Parcel Number

Primary APN	`36 50`
Alternative APN	`12779`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	4,619 sqft
1st Floor Area	3,236 sqft
Attic	Attic
Attic Area	1,180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2011
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	860,354 sqft (19.7 acres)
Garage Area	768 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	240 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12779
Street Address	5570 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	ISLAND 19.751 AC LR20/1832
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5570 WINDMILL POINT RD, WHITE STONE, VA 22578-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORPORATION
Aug 31, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Deed Document Number	20201832
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	5570 WINDMILL POINT RD, WHITE STONE, VA 22578-3200
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	STONEBRIDGE TITLE GROUP LLC, STONEBRIDGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003093
Date	Nov 3, 2021
Instrument	210003093

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 31, 2020
Property Address	5570 WINDMILL POINT RD, WHITE STONE, VA 22578-3200
Document Number	200001832
Instrument Date	Jul 22, 2020
Instrument	200001832
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

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	5570 WINDMILL POINT RD, WHITE STONE, VA 22578-3200
Investor	Possibly a Property Investor

Mortgage

Document Number	200001833
Date	Aug 31, 2020
Instrument	200001833

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First 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	$43.00 (-98.93%)	$785,900 (+23.2%) Land $312,400 Building $473,500	$785,900 (+23.2%) Land $312,400 Building $473,500
2023	$4,018.00	$637,900 Land $312,400 Building $325,500	$637,900 Land $312,400 Building $325,500

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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

5G (outdoors only) and 4G LTE

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