4393 Windmill Point Rd, White Stone, VA, 22578
About This Home
Enjoy the Chesapeake Bay lifestyle without the waterfront price tag! This charming 2-bedroom, 1-bath cottage offers comfortable one-level living and is just 2.5 miles (approximately a 4-minute drive) from Lancaster County’s spectacular new Westland Beach & Park, featuring a wide sandy beach and impressive public fishing pier on the Rappahannock River. Just around the corner, Windmill Point Marina offers boat slips, day passes to the waterfront pool, the popular Tiki Bar & Grill, and a public boat ramp providing quick access to the Chesapeake Bay for exceptional fishing, boating, and waterfront adventures. The home features HardiePlank siding, public water, a fenced backyard, and a detached garage that has been transformed into heated and cooled flex space, ideal for guests, a game room, home office, or hobby room. Whether you’re searching for a full-time residence, weekend getaway, or an investment property with excellent short-term rental (Airbnb/VRBO) potential, this property offers the opportunity to capitalize on the Northern Neck’s growing tourism market while giving guests easy access to beaches, boating, restaurants, and everything that makes Windmill Point one of Virginia’s favorite coastal destinations.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Crawl Space
- Roof: Architectural Shingle
- Construction materials: HardiPlank Type
Type & Style
- Home type: SingleFamily
- Architectural style: Bungalow
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Refrigerator,Cooktop,Washer,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- Main level bathrooms: 1
- Main level bedrooms: 2
Features
- Dry Wall
- Finished area above ground: 962
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Heat Pump,Electric
Interior Area
- Total structure area: 962
- Total interior livable area: 962 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 36 14A
- Zoning: R1
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Pool features: None
- Fencing: Aluminum
Lot
- Lot size: 0.46 Acres
- Features: Rear Yard,Rural
Parking
- Total spaces: 6
- Parking features: Driveway
- Has uncovered spaces: Yes
- Uncovered spaces: 6
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Hurricane
- Cold Wave
- Drought
- Ice Storm
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Virginia Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,491 | $17,892 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $133 | $1,596 |
| Electricity | $202 | $2,433 |
| Total | $2,026 | $24,312 |
Income You'd Need if You Spent...
Virginia FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Listed for sale | $295,000 |
| 2026-04-21 | Listing removed | $249,000 |
| 2024-10-04 | Price change | $249,000 |
| 2024-07-12 | Listed for sale | $275,000 |
| 2022-09-01 | Sold | $210,000 |
| 2022-08-15 | Pending sale | $219,000 |
| 2022-07-28 | Price change | $219,000 |
| 2022-07-10 | Price change | $249,000 |
| 2022-07-08 | Listed for sale | $265,000 |
| 2008-04-16 | Sold | $129,500 |
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