75 Oyster Pt, White Stone, VA 22578 Property Records

Lancaster County property record for 75 Oyster Pt, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,210 sqft · built 2001
Lot Size	1.69 acres (74,008 sqft)
Owner	Individual Name on File
Last Sale	$2,325,000 (Oct 2022)
Tax Bill	$105 (2025)
Deeds & Mortgages	Apr 2026 Transfer Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33 488B`

Property Details

APN / Parcel Number

Primary APN	`33 488B`
Alternative APN	`10569`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,210 sqft Living Area
Gross Area	10,364 sqft
1st Floor Area	7,294 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2014
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	74,008 sqft (1.69 acres)
Garage Area	768 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	1,260 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	10569
Street Address	75 OYSTER PT
City	WHITE STONE
State	VA
Zip	22578-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	OYSTER POINT SUB 1.6985 AC LOT 3 LR22/2418 DB437/32-P
Legal Subdivision	OYSTER POINT SUB
Legal Lot Number	3
Jurisdiction	LANCASTER VA
Township / Civil Division	5
Census Block Group	1
Census Block	1005
Census Tract	30301

Owner

75 Oyster Pt is owned by an individual who acquired it in April 2026.

Source: Lancaster County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	6902 RANNOCH RD, BETHESDA, MD 20817-5475
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Gift Deed, Transfer FIDELITY NATIONAL TITLE
Oct 20, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 24, 2018	Warranty Deed, Transfer · Commercial Mortgage VIRGINIA COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Prior Sale	Aug 24, 2018 · Amount on File
Deed Document Number	20222418
Last Transfer Date	Apr 1, 2026
Transfer Doc	0000000601
Record Updated	Sep 20, 2026

April 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	LANCASTER VA
Recording Date	Apr 1, 2026
Property Address	75 OYSTER PT, WHITE STONE, VA 22578-2422
Document Number	0000000601
Instrument Date	Apr 1, 2026
Instrument	2026601
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6902 RANNOCH RD, BETHESDA, MD 20817-5475

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Oct 20, 2022
Property Address	75 OYSTER PT, WHITE STONE, VA 22578-2422
Document Number	0220002418
Instrument Date	Sep 23, 2022
Instrument	220002418
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Transaction

Amount	Amount on Record
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	6902 RANNOCH RD, BETHESDA, MD 20817-5475

Mortgage

Document Number	0220002419
Date	Oct 20, 2022
Instrument	220002419

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 24, 2018
Property Address	75 OYSTER PT, WHITE STONE, VA 22578-2422
Document Number	0180001659
Instrument Date	Aug 16, 2018
Instrument	180001659
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount on Record
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	2400 ODENDRON CT, HENRICO, VA 23233-6618

Mortgage

Document Number	0180001660
Date	Aug 24, 2018
Instrument	180001660

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 75 Oyster Pt was $105.

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	$105.00	$1,921,200 Land $582,000 Building $1,339,200	$1,921,200 Land $582,000 Building $1,339,200
2023	$8,167.00	$1,296,500 Land $557,000 Building $739,500	$1,296,500 Land $557,000 Building $739,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 75 Oyster Pt in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 75 Oyster Pt is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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