5880 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 5880 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,066 sqft · built 2002
Lot Size	6.88 acres (299,867 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jun 2018)
Tax Bill	$32 (2025)
Deeds & Mortgages	Oct 2020 Refinance Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`36 48A`

Property Details

APN / Parcel Number

Primary APN	`36 48A`
Alternative APN	`12769`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	4,754 sqft
1st Floor Area	3,074 sqft
Basement Area	1,058 sqft
Unfinished Basement	1,058 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	299,867 sqft (6.88 acres)

Exterior Amenities

Porch	Patio
Porch Area	480 sqft
Deck Area	168 sqft
Boat Lift	Boat Lift

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	12769
Street Address	5880 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	DRAGONFLY POINT 6.884 AC LOT 1 LR18/1214
Legal Subdivision	DRAGONFLY POINT
Legal Lot Number	1
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	1
Census Block	1000
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	5880 WINDMILL POINT RD, WHITE STONE, VA 22578-3217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOWNEBANK MORTGAGE
Jun 26, 2018	Warranty Deed, Transfer · Conventional Mortgage VIRGINIA COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	20181214
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	5880 WINDMILL POINT RD, WHITE STONE, VA 22578-3217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200002342
Date	Oct 19, 2020
Instrument	200002342

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Jun 26, 2018
Property Address	5880 WINDMILL POINT RD, WHITE STONE, VA 22578-3217
Document Number	180001214
Instrument Date	Jun 25, 2018
Instrument	180001214
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	5880 WINDMILL POINT RD, WHITE STONE, VA 22578-3217

Mortgage

Document Number	180001215
Date	Jun 26, 2018
Instrument	180001215

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Conventional 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	$32.00 (-98.61%)	$586,500 (+60.2%) Land $115,000 Building $471,500	$586,500 (+60.2%) Land $115,000 Building $471,500
2023	$2,306.00	$366,100 Land $110,000 Building $256,100	$366,100 Land $110,000 Building $256,100

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 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 67% of the US · above 54% 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	WINDMILL POINT private · serves 146 people · EPA ID VA4103985
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Dec 2020
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

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 and 4G LTE (outdoors only)

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