6406 Windmill Point Rd, White Stone, VA, 22578
About This Home
An Exceptional Waterfront Offering on Windmill Point Creek _ Set on 5.7 acres at the end of a private point, this remarkable waterfront residence presents a rare opportunity to own a property defined by panoramic water views, protected anchorage, and complete seclusion—just moments from the open waters of the Rappahannock River and Windmill Point. The 2,520-square-foot home, built in 2007, offers 3 bedrooms and 3 full baths, thoughtfully designed to maximize both comfort and connection to the surrounding landscape. Expansive windows and open living spaces invite natural light while framing uninterrupted views of the water from nearly every room. Outdoors, the property unfolds into a truly special setting—water on multiple sides, gentle breezes, and endless vantage points for sunrise and sunset. Whether envisioned as a quiet retreat or a fabulous waterfront escape for entertaining, the setting is both inspiring and irreplaceable. Enjoy your dock with boat lift. Just minutes from the charm of White Stone, Irvington, and Kilmarnock, this property offers privacy without compromise.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2007
Materials
- Roof: Composition
- Construction materials: Block,Drywall,Vinyl Siding,Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Microwave,Propane Water Heater,Refrigerator,Washer
Bedroom2
- Level: First
- Dimensions: 11.8 x 10.7
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: First
- Dimensions: 16.6 x 11.3
Features
- Bedroom on Main Level,Main Level Primary
- Flooring: Carpet,Wood
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Attic: Walk-In
- Finished area below ground: 0
- Finished area above ground: 2,520
Great Room
- Level: First
- Dimensions: 19.1 x 18.11
Heating & Cooling
- Heating features: Heat Pump,Propane
- Cooling features: Heat Pump
Interior Area
- Total interior livable area: 2,520 sqft
Kitchen
- Level: First
- Dimensions: 20.4 x 11.8
Master Bedroom
- Level: First
- Dimensions: 11.11 x 10.11
Office
- Level: First
- Dimensions: 14.11 x 11.5
Other
- Level: Second
- Dimensions: 25.8 x 15.6
Property
Details
- Parcel number: 4037I
- Attached to another structure: Yes
- Zoning description: A1
- Other equipment: Generator
Features
- Levels: One and One Half
- Stories: 1
- Pool features: None
- Patio & porch: Balcony,Front Porch,Porch
- Exterior features: Boat Lift,Dock,Porch
- Fencing: None
- On waterfront: Yes
- Waterfront features: Creek,Dock Access,Mooring,Walk to Water,Boat Ramp/Lift Access
- Waterbody name: Windmill Point Creek
- Frontage length: 1000.0000,1000.0000
Lot
- Lot size: 5.70 Acres
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 | $4,930 | $59,160 |
| Home Insurance * | $661 | $7,932 |
| Property Taxes | $442 | $5,304 |
| Electricity | $242 | $2,912 |
| Total | $6,275 | $75,300 |
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 |
|---|---|---|
| 2026-04-25 | Listed for sale | $975,000 |
| 2020-05-11 | Sold | $400,000 |
| 2020-03-25 | Pending sale | $425,000 |
| 2020-02-26 | Price change | $425,000 |
| 2020-01-17 | Price change | $445,000 |
| 2019-11-25 | Price change | $459,000 |
| 2019-10-24 | Price change | $464,000 |
| 2019-08-04 | Price change | $469,000 |
| 2019-07-01 | Listed for sale | $475,000 |
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