845 Point Ln, Kinsale, VA 22488 Property Records

Westmoreland County property record for 845 Point Ln, Kinsale, VA 22488

Property Summary

Property Type	Single Family Home
Details	3 ba · 6,034 sqft · built 2003
Lot Size	10.5 acres (458,251 sqft)
Owner	Individual Name on File
Tax Bill	$6,633 (2025)
Deeds & Mortgages	May 2024 Transfer Feb 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49J-5`

Property Details

APN / Parcel Number

Primary APN	`49J-5`
Alternative APN	`25191`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	6,034 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Mud Sill
Roof Material	Composition Shingle
Lot Area	458,251 sqft (10.5 acres)
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	25191
Old Parcel Number	49J-5
Street Address	845 POINT LN
City	KINSALE
State	VA
Zip	22488-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANDY POINT FOREST LOT 5 10.52ACDB 979 PG 417
Legal Subdivision	SANDY POINT
Legal Lot Number	5
Jurisdiction	WESTMORELAND VA
Township / Civil Division	COPLE
Census Block Group	2
Census Block	2025
Census Tract	10102

Owner

845 Point Ln is owned and occupied by an individual who acquired it in May 2024.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	845 POINT LN, KINSALE, VA 22488-2227
Occupancy	Owner Occupied
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
May 9, 2024	Gift Deed, Transfer
Feb 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 9, 2024
Transfer Doc	0009790417
Record Updated	Jun 8, 2026

May 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 9, 2024
Property Address	845 POINT LN, KINSALE, VA 22488-2227
Document Number	0009790417
Instrument Date	Apr 18, 2024
Instrument	09790417
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 POINT LN, KINSALE, VA 22488-2227

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	845 POINT LN, KINSALE, VA 22488-2227
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009160561
Date	Feb 19, 2019
Instrument	09160561

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.63%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	845 POINT LN, KINSALE, VA 22488-2227
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009362119
Date	Oct 23, 2020
Instrument	09362119

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	145 Months
Due	Nov 1, 2032

Interest

Rate Type	Fixed Rate
Rate	2.63%

Tax Assessment & Valuation

The 2025 property tax bill for 845 Point Ln was $6,633.

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,633.00	$975,500 Land $364,600 Building $610,900	$975,500 Land $364,600 Building $610,900
2023	$6,017.00	$970,500 Land $364,600 Building $605,900	$970,500 Land $364,600 Building $605,900

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

Flood

FEMA maps place 845 Point Ln 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 May 22, 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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2003–2021)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2021
Claims by Event	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 845 Point Ln is low, with a 0.03% annual chance of 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	0.03% 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 4 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

4G LTE (outdoors only), no 5G reported

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