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

Lancaster County property record for 995 Windmill Point Rd, White Stone, VA 22578

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,704 sqft · built 2023
Lot Size	6.9 acres (300,564 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Aug 2020)
Tax Bill	$50 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35 212`

Property Details

APN / Parcel Number

Primary APN	`35 212`
Alternative APN	`12354`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,704 sqft Living Area
Gross Area	6,214 sqft
1st Floor Area	1,488 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	300,564 sqft (6.9 acres)
Garage Area	693 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	528 sqft
Deck Area	168 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	12354
Street Address	995 WINDMILL POINT RD
City	WHITE STONE
State	VA
Zip	22578-3047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ANTIPOISON 6.9 AC LR20/1823
Legal Subdivision	ANTIPOISON
Jurisdiction	LANCASTER VA
Township / Civil Division	3
Census Block Group	2
Census Block	2028
Census Tract	30301

Owner

Source: Lancaster County records, as of October 20, 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	995 WINDMILL POINT RD, WHITE STONE, VA 22578-3047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PRIMELENDING
Aug 31, 2020	Warranty Deed, Transfer · ARM VIRGINIA COMMONWEALTH 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	20201823
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	995 WINDMILL POINT RD, WHITE STONE, VA 22578-3047
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250002515
Date	Nov 24, 2025
Instrument	250002515

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Sep 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER VA
Property Address	995 WINDMILL POINT RD, WHITE STONE, VA 22578-3047
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002184
Date	Sep 16, 2022
Instrument	220002184

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LANCASTER VA
Recording Date	Aug 31, 2020
Property Address	995 WINDMILL POINT RD, WHITE STONE, VA 22578-3047
Document Number	0200001823
Instrument Date	Aug 25, 2020
Instrument	200001823
Transaction Type	Transfer
Record Updated	Jan 23, 2024
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	372 FLEETS LN, WHITE STONE, VA 22578-2019

Mortgage

Document Number	0200001824
Date	Aug 31, 2020
Instrument	200001824

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2025
Margin	3

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	$50.00 (-98.94%)	$911,100 (+21.77%) Land $265,800 Building $645,300	$911,100 (+21.77%) Land $265,800 Building $645,300
2023	$4,713.00	$748,200 Land $415,800 Building $332,400	$748,200 Land $415,800 Building $332,400

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: All Points Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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