6832 Windmill Point Rd, White Stone, VA 22578 Property Records

Lancaster County property record for 6832 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,979 sqft · built 2012
Lot Size	11.7 acres (510,523 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Nov 2024)
Tax Bill	$25 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Nov 2024 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40D 3 20`

Property Details

APN / Parcel Number

Primary APN	`40D 3 20`
Alternative APN	`13196`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,979 sqft Living Area
Gross Area	2,155 sqft
1st Floor Area	2,743 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2020
Architectural Style	Townhouse
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	510,523 sqft (11.7 acres)
Porch	Slab
Porch Area	48 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13196
Street Address	6832 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	THE LANDING 1/35 INT IN 11.72 AC LR12/595 PC7/48C-50A
Legal Subdivision	THE LANDING
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2037
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	PO BOX 1407, LEXINGTON, VA 24450-1407
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGECOUNTRY LLC
Nov 26, 2024	Warranty Deed, Transfer · Line of Credit CORNERSTONE BANK
Mar 14, 2012	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2024 · Amount on Record
Deed Sale	Nov 26, 2024 · Amount on Record
Prior Sale	Mar 14, 2012 · Amount on Record
Deed Document Number	20242104
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	6832 WINDMILL POINT RD, WHITE STONE, VA 22578
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 ENFIELD RD, LEXINGTON, VA 24450-4048

Mortgage

Document Number	0250001717
Date	Aug 15, 2025
Instrument	250001717

Lender

Name	MORTGAGECOUNTRY LLC
Type	Mortgage Company
Address	BLUE BELL, PA 19422

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	SOFR Average 30-Day
Max Rate	11.3%

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Nov 26, 2024
Property Address	6832 WINDMILL POINT RD, WHITE STONE, VA 22578
Document Number	0240002104
Instrument Date	Nov 13, 2024
Instrument	240002104
Transaction Type	Transfer
Record Updated	May 19, 2026
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	PO BOX 1407, LEXINGTON, VA 24450-1407

Mortgage

Document Number	0240002105
Date	Nov 26, 2024
Instrument	240002105

Lender

Name	CORNERSTONE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Mar 14, 2012
Property Address	6832 WINDMILL POINT RD, WHITE STONE, VA 22578
Document Number	001200/595
Book / Page	1200 / 595
Transaction Type	Transfer
Record Updated	May 19, 2026

Transaction

Amount	Amount Recorded
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

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	$25.00 (-98.46%)	$462,300 (+79.39%) Land $70,000 Building $392,300	$462,300 (+79.39%) Land $70,000 Building $392,300
2023	$1,623.00	$257,700 Land $70,000 Building $187,700	$257,700 Land $70,000 Building $187,700

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 174 individual policies
Nearby Flood Policies	190 units insured incl. 16 condo units
Nearby Flood Claims	28 (2003–2023)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 4 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 99.8% of the US · lower than 99.9% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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