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3315 Windmill Point Rd, White Stone, VA, 22578

13beds
8baths
11,774sqft
$3,200,000
$272price/sqft
$23,399/moest. monthly cost
$935,960/yrincome needed

About This Home

"Bayhamas" is a rare Chesapeake Bay waterfront compound offering an extraordinary combination of scale, privacy, sandy beach shoreline and panoramic water. Privately sited on over 4 acres with 423 feet of shoreline overlooking the Chesapeake Bay, this remarkable coastal retreat captures breathtaking sunrises and the soothing rhythm of waterfront living at its finest. Built in 2005 and extensively renovated in recent years, the residence encompasses nearly 11,800 square feet with a dramatic contemporary coastal design highlighted by soaring 44-foot ceilings in the great room, walls of glass and expansive living spaces designed to accommodate large gatherings while remaining warm and inviting. The property features 13 bedrooms, multiple additional sleeping/flex rooms, 8 full baths and 3 beautifully updated kitchens. Thoughtfully designed for multi-generational living and entertaining, the home includes two substantial “lockout-style” guest wings, each functioning as private two-story living quarters with full kitchens, ideal for extended family and guests. A screened porch, expansive waterside decking, multiple gathering spaces, fireplaces and two saunas further enhance the resort-like atmosphere. The private sand beach is exceptional for the area and creates an unforgettable setting for waterfront relaxation. A standing seam metal roof, three-car garage, mature trees and beautifully scaled approach complete the offering.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

4/10
6/10
Lancaster High SchoolGrades 8-1212.0 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Frame,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range - Gas,Microwave,Range Hood,Cooktop,Refrigerator,Electric Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 13
  • Bathrooms: 8
  • Full bathrooms: 8
  • Main level bathrooms: 6
  • Main level bedrooms: 7

Features

  • Entry Level Bedroom,Ceiling Fan(s),Dining Area,Eat-in Kitchen,Kitchen Island,Pantry,Walk-In Closet(s),Sauna,9'+ Ceilings,2 Story Ceilings,Cathedral Ceiling(s),High Ceilings
  • Flooring: Carpet,Tile/Brick,Wood
  • Number of fireplaces: 4
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 11,774

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Heat Pump,Electric

Interior Area

  • Total structure area: 11,774
  • Total interior livable area: 11,774 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 366D
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Patio,Porch,Screened
  • Exterior features: Private Beach,Balcony
  • Has view: Yes
  • View description: Bay
  • Has water view: Yes
  • Water view: Bay
  • On waterfront: Yes
  • Waterfront features: Bayside,Bay
  • Waterbody name: Little Bay
  • Frontage length: Water Frontage Ft: 423

Lot

  • Lot size: 4.19 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Front,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Cold Wave
Drought
Ice Storm
Strong Wind
Tsunami

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

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

MonthlyAnnual
Mortgage $16,180$194,160
Home Insurance *$2,169$26,028
Property Taxes $3,916$46,992
Electricity $1,134$13,608
Total$23,399$280,788
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$802,251/yr
40% on housing$701,970/yr
45% on housing$623,973/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

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.

Insurance Growth Rate5-year average: 5.4%
5.4%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 22578$377
Lancaster County$274

vs Homes Sold Last Month

Median $/sqft

ZIP 22578
Lancaster County$245

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

DateEventPrice
2026-05-08Listed for sale$3,200,000
2026-04-22Listing removed$3,600,000
2026-01-13Price change$3,600,000
2025-09-24Listed for sale$3,750,000
2025-09-10Contingent$3,750,000
2025-09-10Pending sale$3,750,000
2025-08-13Price change$3,750,000
2025-06-15Listed for sale$4,200,000
2023-12-18Listing removed--
2021-12-17Sold$1,600,000
2021-12-15Pending sale$1,675,000
2021-10-19Contingent$1,675,000
2021-10-19Pending sale$1,675,000
2021-10-19Listed for sale$1,675,000
2021-09-23Listing removed--
2021-03-26Price change$1,740,000
2020-11-21Price change$1,799,999
2020-07-27Listed for sale$1,890,000
2015-01-12Listing removed$2,000,000
2015-01-02Listed for sale$2,000,000
2014-11-05Listing removed$1,999,999
2013-06-19Price change$1,999,999
2012-12-15Listed for sale$2,200,000

For Sale by Agent

AgentBo Bragg
BrokerageBragg & Company Real Estate, LLC.

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