Rappahannock Westminster-Canterbury
132 Lancaster Drive, Irvington, Virginia 22480
- Operator:
- Rappahannock Westminster-Canterbury, Inc.
- Ownership:
- Nonprofit
- Affiliation:
- Episcopal and Presbyterian: organized under Virginia Diocesan Homes (Episcopal Diocese of Virginia) and Westminster Presbyterian Homes (Presbyterian Synod of the Mid-Atlantic); not an agent of either, which bear no liability (p7, p55).
- Opened:
- Not disclosed in the 2025 filing
Nonstock nonprofit Virginia corporation, 501(c)(3); owns all real property on a 165-acre site (p3, p6-7).
- Type A (life care)
- Type B (modified)
- Type C (fee for service)
Figures from the 2025 disclosure statement (fiscal 2025 finances), filed with the Virginia State Corporation Commission, Bureau of Insurance.PDF
At a glance
Monthly fee, independent living
Refund plans offered
- Option I (Declining Refund)Can decline to nothing
- Option II (50% Refund)Never less than 50% of the fee
- Option III (50% Refund)Never less than 50% of the fee
- Option IV (Declining Refund)Can decline to nothing
Days cash on hand
Independent living occupancy
Nursing care, CMS overall rating
What care costs later
How each contract prices assisted living and nursing if you need them. The contract type decides most of what a long stay costs.
- Type A (life care): Moving to assisted living or nursing leaves your monthly fee essentially unchanged.
- Type B (modified): A set number of care days is included, or care is charged at a stated discount.
- Type C (fee for service): Care is charged at market rates when you need it.
How the contract types compare
Type A (life care)The filing calls it Life Care (Options I and III); we class contracts by how care is priced (our definitions).
Residents on Option I or III keep paying their independent-living monthly fee when they move to assisted living or nursing, plus charges for two extra meals a day and ancillaries.p. 32
- Assisted living
- Same monthly fee as the independent-living residence occupied at transfer, plus two additional meals a day and ancillary charges
- Nursing care
- Same monthly fee plus two additional meals a day and ancillary charges
Type C (fee for service)The filing calls it Continuing Care (Option II); we class contracts by how care is priced (our definitions).
Option II residents pay the published private-pay daily rate for assisted living and nursing; they may have care charges deducted from their entrance-fee refund. The per diem rates are not stated in the document.p. 32
- Assisted living
- Current published private-pay per diem rate; if the IL unit is kept, its monthly fee too
- Nursing care
- Current published private-pay per diem rate
Type B (modified)The filing calls it 365 Day Deductible (Option IV); we class contracts by how care is priced (our definitions).
Option IV residents pay the private-pay daily rate for their first 365 cumulative days of assisted living or nursing; after that, care costs the same as their independent-living monthly fee plus two extra meals a day.p. 33
- Assisted living
- Private-pay per diem rate for the first 365 cumulative days; afterwards the IL monthly fee plus two additional meals
- Nursing care
- Private-pay per diem rate for the first 365 cumulative days; afterwards the IL monthly fee plus two additional meals
| Independent living | 158 |
|---|---|
| Assisted living | 38 |
| Memory care | 8 |
| Nursing care | 42 |
Entrance fees
One-person prices as the filing lists them, by contract. A second person usually pays the extra amount shown.
Option I - Declining Refund Life Care · Type A (life care) (21 prices, $169,317 to $696,013)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Option I (Declining Refund) | from $169,317p. 10 | $63,290 |
| Apartment - Franklinia | Option I (Declining Refund) | from $227,931p. 10 | $63,290 |
| Apartment - Gardenia | Option I (Declining Refund) | from $302,864p. 10 | $63,290 |
| Apartment - Hydrangea | Option I (Declining Refund) | from $326,901p. 10 | $63,290 |
| Apartment - Ivy | Option I (Declining Refund) | from $447,971p. 10 | $63,290 |
| Apartment - Juniper | Option I (Declining Refund) | from $401,530p. 10 | $63,290 |
| Cottage - Aster Studio | Option I (Declining Refund) | from $182,069p. 11 | $63,290 |
| Cottage - Aster Deluxe | Option I (Declining Refund) | from $214,089p. 11 | $63,290 |
| Cottage - Birch | Option I (Declining Refund) | from $229,732p. 11 | $63,290 |
| Cottage - Birch Deluxe | Option I (Declining Refund) | from $292,410p. 11 | $63,290 |
| Cottage - Cedar | Option I (Declining Refund) | from $307,140p. 11 | $63,290 |
| Cottage - Cedar Deluxe | Option I (Declining Refund) | from $326,956p. 11 | $63,290 |
| Cottage - Dogwood | Option I (Declining Refund) | from $329,679p. 11 | $63,290 |
| Cottage - Dogwood Deluxe | Option I (Declining Refund) | from $386,024p. 12 | $63,290 |
| Cottage - Laurel | Option I (Declining Refund) | from $451,889p. 12 | $63,290 |
| Cottage - Magnolia | Option I (Declining Refund) | from $528,135p. 12 | $63,290 |
| Home - Azalea | Option I (Declining Refund) | from $586,008p. 12 | $63,290 |
| Home - Boxwood | Option I (Declining Refund) | from $653,196p. 12 | $63,290 |
| Home - Camellia | Option I (Declining Refund) | from $673,750p. 12 | $63,290 |
| Home - Linden | Option I (Declining Refund) | from $696,013p. 13 | $63,290 |
| Home - Willow | Option I (Declining Refund) | from $629,055p. 13 | $63,290 |
Option II - Refundable Continuing Care · Type C (fee for service) (21 prices, $203,181 to $835,216)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Option II (50% Refund) | from $203,181p. 10 | $75,946 |
| Apartment - Franklinia | Option II (50% Refund) | from $273,518p. 10 | $75,946 |
| Apartment - Gardenia | Option II (50% Refund) | from $363,437p. 10 | $75,946 |
| Apartment - Hydrangea | Option II (50% Refund) | from $392,282p. 10 | $75,946 |
| Apartment - Ivy | Option II (50% Refund) | from $537,566p. 10 | $75,946 |
| Apartment - Juniper | Option II (50% Refund) | from $481,836p. 10 | $75,946 |
| Cottage - Aster Studio | Option II (50% Refund) | from $218,483p. 11 | $75,946 |
| Cottage - Aster Deluxe | Option II (50% Refund) | from $256,907p. 11 | $75,946 |
| Cottage - Birch | Option II (50% Refund) | from $275,679p. 11 | $75,946 |
| Cottage - Birch Deluxe | Option II (50% Refund) | from $350,892p. 11 | $75,946 |
| Cottage - Cedar | Option II (50% Refund) | from $368,568p. 11 | $75,946 |
| Cottage - Cedar Deluxe | Option II (50% Refund) | from $392,348p. 11 | $75,946 |
| Cottage - Dogwood | Option II (50% Refund) | from $395,615p. 12 | $75,946 |
| Cottage - Dogwood Deluxe | Option II (50% Refund) | from $463,229p. 12 | $75,946 |
| Cottage - Laurel | Option II (50% Refund) | from $542,267p. 12 | $75,946 |
| Cottage - Magnolia | Option II (50% Refund) | from $633,762p. 12 | $75,946 |
| Home - Azalea | Option II (50% Refund) | from $703,210p. 12 | $75,946 |
| Home - Boxwood | Option II (50% Refund) | from $783,836p. 12 | $75,946 |
| Home - Camellia | Option II (50% Refund) | from $808,500p. 12 | $75,946 |
| Home - Linden | Option II (50% Refund) | from $835,216p. 13 | $75,946 |
| Home - Willow | Option II (50% Refund) | from $754,866p. 13 | $75,946 |
Option III - 50% Refund Life Care · Type A (life care) (21 prices, $220,113 to $904,817)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Option III (50% Refund) | from $220,113p. 10 | $82,276 |
| Apartment - Franklinia | Option III (50% Refund) | from $296,311p. 10 | $82,276 |
| Apartment - Gardenia | Option III (50% Refund) | from $393,724p. 10 | $82,276 |
| Apartment - Hydrangea | Option III (50% Refund) | from $424,972p. 10 | $82,276 |
| Apartment - Ivy | Option III (50% Refund) | from $582,363p. 10 | $82,276 |
| Apartment - Juniper | Option III (50% Refund) | from $521,989p. 10 | $82,276 |
| Cottage - Aster Studio | Option III (50% Refund) | from $236,690p. 11 | $82,276 |
| Cottage - Aster Deluxe | Option III (50% Refund) | from $278,316p. 11 | $82,276 |
| Cottage - Birch | Option III (50% Refund) | from $298,652p. 11 | $82,276 |
| Cottage - Birch Deluxe | Option III (50% Refund) | from $380,133p. 11 | $82,276 |
| Cottage - Cedar | Option III (50% Refund) | from $399,282p. 11 | $82,276 |
| Cottage - Cedar Deluxe | Option III (50% Refund) | from $425,043p. 11 | $82,276 |
| Cottage - Dogwood | Option III (50% Refund) | from $428,583p. 12 | $82,276 |
| Cottage - Dogwood Deluxe | Option III (50% Refund) | from $501,832p. 12 | $82,276 |
| Cottage - Laurel | Option III (50% Refund) | from $587,456p. 12 | $82,276 |
| Cottage - Magnolia | Option III (50% Refund) | from $686,576p. 12 | $82,276 |
| Home - Azalea | Option III (50% Refund) | from $761,811p. 12 | $82,276 |
| Home - Boxwood | Option III (50% Refund) | from $849,155p. 12 | $82,276 |
| Home - Camellia | Option III (50% Refund) | from $875,875p. 12 | $82,276 |
| Home - Linden | Option III (50% Refund) | from $904,817p. 13 | $82,276 |
| Home - Willow | Option III (50% Refund) | from $817,772p. 13 | $82,276 |
Option IV - 365 Day Deductible · Type B (modified) (21 prices, $152,386 to $626,412)
| Unit | Refund plan | Price, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Option IV (Declining Refund) | from $152,386p. 10 | $56,960 |
| Apartment - Franklinia | Option IV (Declining Refund) | from $205,138p. 10 | $56,960 |
| Apartment - Gardenia | Option IV (Declining Refund) | from $272,578p. 10 | $56,960 |
| Apartment - Hydrangea | Option IV (Declining Refund) | from $294,211p. 10 | $56,960 |
| Apartment - Ivy | Option IV (Declining Refund) | from $403,174p. 10 | $56,960 |
| Apartment - Juniper | Option IV (Declining Refund) | from $361,377p. 11 | $56,960 |
| Cottage - Aster Studio | Option IV (Declining Refund) | from $163,863p. 11 | $56,960 |
| Cottage - Aster Deluxe | Option IV (Declining Refund) | from $192,681p. 11 | $56,960 |
| Cottage - Birch | Option IV (Declining Refund) | from $206,759p. 11 | $56,960 |
| Cottage - Birch Deluxe | Option IV (Declining Refund) | from $263,169p. 11 | $56,960 |
| Cottage - Cedar | Option IV (Declining Refund) | from $276,426p. 11 | $56,960 |
| Cottage - Cedar Deluxe | Option IV (Declining Refund) | from $294,261p. 11 | $56,960 |
| Cottage - Dogwood | Option IV (Declining Refund) | from $296,712p. 12 | $56,960 |
| Cottage - Dogwood Deluxe | Option IV (Declining Refund) | from $347,422p. 12 | $56,960 |
| Cottage - Laurel | Option IV (Declining Refund) | from $406,701p. 12 | $56,960 |
| Cottage - Magnolia | Option IV (Declining Refund) | from $475,322p. 12 | $56,960 |
| Home - Azalea | Option IV (Declining Refund) | from $527,408p. 12 | $56,960 |
| Home - Boxwood | Option IV (Declining Refund) | from $587,877p. 12 | $56,960 |
| Home - Camellia | Option IV (Declining Refund) | from $606,375p. 13 | $56,960 |
| Home - Linden | Option IV (Declining Refund) | from $626,412p. 13 | $56,960 |
| Home - Willow | Option IV (Declining Refund) | from $566,150p. 13 | $56,960 |
Monthly fees
What residents pay each month, by contract and level of care. A second person adds the amount shown.
Option I - Declining Refund Life Care · Type A (life care) (21 prices, $4,214 to $7,928)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Independent living | from $4,214p. 14 | $2,087 |
| Apartment - Franklinia | Independent living | from $5,090p. 14 | $2,087 |
| Apartment - Gardenia | Independent living | from $5,654p. 14 | $2,087 |
| Apartment - Hydrangea | Independent living | from $5,950p. 14 | $2,087 |
| Apartment - Ivy | Independent living | from $6,597p. 14 | $2,087 |
| Apartment - Juniper | Independent living | from $6,484p. 14 | $2,087 |
| Cottage - Aster Deluxe | Independent living | from $4,762p. 14 | $2,087 |
| Cottage - Aster Studio | Independent living | from $4,377p. 14 | $2,087 |
| Cottage - Birch | Independent living | from $5,141p. 14 | $2,087 |
| Cottage - Birch Deluxe | Independent living | from $5,531p. 14 | $2,087 |
| Cottage - Cedar | Independent living | from $5,929p. 14 | $2,087 |
| Cottage - Cedar Deluxe | Independent living | from $6,040p. 14 | $2,087 |
| Cottage - Dogwood | Independent living | from $6,260p. 14 | $2,087 |
| Cottage - Dogwood Deluxe | Independent living | from $6,370p. 14 | $2,087 |
| Cottage - Laurel | Independent living | from $6,778p. 14 | $2,087 |
| Cottage - Magnolia | Independent living | from $6,803p. 14 | $2,087 |
| Home - Azalea | Independent living | from $6,885p. 14 | $2,087 |
| Home - Boxwood | Independent living | from $7,512p. 14 | $2,087 |
| Home - Camellia | Independent living | from $7,928p. 14 | $2,087 |
| Home - Linden | Independent living | from $7,541p. 14 | $2,087 |
| Home - Willow | Independent living | from $6,921p. 14 | $2,087 |
Option II - Refundable Continuing Care · Type C (fee for service) (21 prices, $4,214 to $7,928)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Independent living | from $4,214p. 14 | $2,087 |
| Apartment - Franklinia | Independent living | from $5,090p. 14 | $2,087 |
| Apartment - Gardenia | Independent living | from $5,654p. 14 | $2,087 |
| Apartment - Hydrangea | Independent living | from $5,950p. 14 | $2,087 |
| Apartment - Ivy | Independent living | from $6,597p. 14 | $2,087 |
| Apartment - Juniper | Independent living | from $6,484p. 14 | $2,087 |
| Cottage - Aster Deluxe | Independent living | from $4,762p. 14 | $2,087 |
| Cottage - Aster Studio | Independent living | from $4,377p. 14 | $2,087 |
| Cottage - Birch | Independent living | from $5,141p. 14 | $2,087 |
| Cottage - Birch Deluxe | Independent living | from $5,531p. 14 | $2,087 |
| Cottage - Cedar | Independent living | from $5,929p. 14 | $2,087 |
| Cottage - Cedar Deluxe | Independent living | from $6,040p. 14 | $2,087 |
| Cottage - Dogwood | Independent living | from $6,260p. 14 | $2,087 |
| Cottage - Dogwood Deluxe | Independent living | from $6,370p. 14 | $2,087 |
| Cottage - Laurel | Independent living | from $6,778p. 14 | $2,087 |
| Cottage - Magnolia | Independent living | from $6,803p. 14 | $2,087 |
| Home - Azalea | Independent living | from $6,885p. 14 | $2,087 |
| Home - Boxwood | Independent living | from $7,512p. 14 | $2,087 |
| Home - Camellia | Independent living | from $7,928p. 14 | $2,087 |
| Home - Linden | Independent living | from $7,541p. 14 | $2,087 |
| Home - Willow | Independent living | from $6,921p. 14 | $2,087 |
Option III - 50% Refund Life Care · Type A (life care) (21 prices, $4,214 to $7,928)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Independent living | from $4,214p. 14 | $2,087 |
| Apartment - Franklinia | Independent living | from $5,090p. 14 | $2,087 |
| Apartment - Gardenia | Independent living | from $5,654p. 14 | $2,087 |
| Apartment - Hydrangea | Independent living | from $5,950p. 14 | $2,087 |
| Apartment - Ivy | Independent living | from $6,597p. 14 | $2,087 |
| Apartment - Juniper | Independent living | from $6,484p. 14 | $2,087 |
| Cottage - Aster Deluxe | Independent living | from $4,762p. 14 | $2,087 |
| Cottage - Aster Studio | Independent living | from $4,377p. 14 | $2,087 |
| Cottage - Birch | Independent living | from $5,141p. 14 | $2,087 |
| Cottage - Birch Deluxe | Independent living | from $5,531p. 14 | $2,087 |
| Cottage - Cedar | Independent living | from $5,929p. 14 | $2,087 |
| Cottage - Cedar Deluxe | Independent living | from $6,040p. 14 | $2,087 |
| Cottage - Dogwood | Independent living | from $6,260p. 14 | $2,087 |
| Cottage - Dogwood Deluxe | Independent living | from $6,370p. 14 | $2,087 |
| Cottage - Laurel | Independent living | from $6,778p. 14 | $2,087 |
| Cottage - Magnolia | Independent living | from $6,803p. 14 | $2,087 |
| Home - Azalea | Independent living | from $6,885p. 14 | $2,087 |
| Home - Boxwood | Independent living | from $7,512p. 14 | $2,087 |
| Home - Camellia | Independent living | from $7,928p. 14 | $2,087 |
| Home - Linden | Independent living | from $7,541p. 14 | $2,087 |
| Home - Willow | Independent living | from $6,921p. 14 | $2,087 |
Option IV - 365 Day Deductible · Type B (modified) (21 prices, $4,214 to $7,928)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Apartment - Elm Studio | Independent living | from $4,214p. 14 | $2,087 |
| Apartment - Franklinia | Independent living | from $5,090p. 14 | $2,087 |
| Apartment - Gardenia | Independent living | from $5,654p. 14 | $2,087 |
| Apartment - Hydrangea | Independent living | from $5,950p. 14 | $2,087 |
| Apartment - Ivy | Independent living | from $6,597p. 14 | $2,087 |
| Apartment - Juniper | Independent living | from $6,484p. 14 | $2,087 |
| Cottage - Aster Deluxe | Independent living | from $4,762p. 14 | $2,087 |
| Cottage - Aster Studio | Independent living | from $4,377p. 14 | $2,087 |
| Cottage - Birch | Independent living | from $5,141p. 14 | $2,087 |
| Cottage - Birch Deluxe | Independent living | from $5,531p. 14 | $2,087 |
| Cottage - Cedar | Independent living | from $5,929p. 14 | $2,087 |
| Cottage - Cedar Deluxe | Independent living | from $6,040p. 14 | $2,087 |
| Cottage - Dogwood | Independent living | from $6,260p. 14 | $2,087 |
| Cottage - Dogwood Deluxe | Independent living | from $6,370p. 14 | $2,087 |
| Cottage - Laurel | Independent living | from $6,778p. 14 | $2,087 |
| Cottage - Magnolia | Independent living | from $6,803p. 14 | $2,087 |
| Home - Azalea | Independent living | from $6,885p. 14 | $2,087 |
| Home - Boxwood | Independent living | from $7,512p. 14 | $2,087 |
| Home - Camellia | Independent living | from $7,928p. 14 | $2,087 |
| Home - Linden | Independent living | from $7,541p. 14 | $2,087 |
| Home - Willow | Independent living | from $6,921p. 14 | $2,087 |
Fee increases, year by year
| Year | Level of care | Unit | Increase | Monthly fee, before and after |
|---|---|---|---|---|
| 2025 | Independent living | Apartment - Elm Studio | 5%calculated from the dollar amounts | $4,013 to $4,214p. 14 |
| 2024 | Independent living | Apartment - Elm Studio | 4.5%calculated from the dollar amounts | $3,840 to $4,013p. 14 |
| 2023 | Independent living | Apartment - Elm Studio | 7%calculated from the dollar amounts | $3,589 to $3,840p. 14 |
| 2022 | Independent living | Apartment - Elm Studio | 5%calculated from the dollar amounts | $3,418 to $3,589p. 14 |
| 2025 | Independent living | Home - Camellia | 5%calculated from the dollar amounts | $7,550 to $7,928p. 14 |
| 2024 | Independent living | Home - Camellia | 4.5%calculated from the dollar amounts | $7,224 to $7,550p. 14 |
| 2023 | Independent living | Home - Camellia | 7%calculated from the dollar amounts | $6,752 to $7,224p. 14 |
| 2022 | Independent living | Home - Camellia | 5%calculated from the dollar amounts | $6,430 to $6,752p. 14 |
Refunds
What comes back from the entrance fee when you leave or die, and when it is paid.
Option I (Declining Refund)p. 37
4% is kept as an administrative fee, then the refund falls 2% for each month of occupancy and nothing is due after 49 months. Paid when your unit is reserved and paid for by a new resident or within one year of termination, whichever comes first (within one year if you were in assisted living or nursing).
- Kept on move-in
- 4% of the fee
- Declines by
- 2% a month for 49 months
- Never less than
- Nothing: it can decline to zero
- Longest wait
- 12 months
- Paid
- When your unit is re-occupied or after 12 months, whichever is first
Option II (50% Refund)p. 38
4% administrative fee, then 2% a month for up to 25 months until the guaranteed 50% floor; the floor does not hold if assisted-living or nursing charges were deducted from the refund. Paid on re-occupancy of your unit or within one year, whichever comes first (within one year if you were in assisted living or nursing).
- Kept on move-in
- 4% of the fee
- Declines by
- 2% a month for 25 months
- Never less than
- 50% of the fee
- Longest wait
- 12 months
- Paid
- When your unit is re-occupied or after 12 months, whichever is first
Option III (50% Refund)p. 38
4% administrative fee, then 2% a month for up to 25 months until the guaranteed 50% floor. Paid on re-occupancy of your unit or within one year, whichever comes first (within one year if you were in assisted living or nursing).
- Kept on move-in
- 4% of the fee
- Declines by
- 2% a month for 25 months
- Never less than
- 50% of the fee
- Longest wait
- 12 months
- Paid
- When your unit is re-occupied or after 12 months, whichever is first
Option IV (Declining Refund)p. 37
Same refund terms as Option I: 4% administrative fee, then 2% a month, nothing due after 49 months. Paid on re-occupancy of your unit or within one year, whichever comes first (within one year if you were in assisted living or nursing).
- Kept on move-in
- 4% of the fee
- Declines by
- 2% a month for 49 months
- Never less than
- Nothing: it can decline to zero
- Longest wait
- 12 months
- Paid
- When your unit is re-occupied or after 12 months, whichever is first
Refund calculator
Estimated refund: $0 (0% of the fee)
When it is paid: when your unit is re-occupied or after 12 months, whichever is first. This applies the plan terms as recorded from the filing, counting a part month as a whole one. The signed contract governs, and charges you owe or care paid for from the fee can be deducted first.
How entrance-fee refunds work, and why the payment date matters
Finances
Whether the organisation behind the community has the cash and income to keep its promises for decades.
- Balance sheet: Rappahannock Westminster-Canterbury, Inc. (including its beneficial interest in the RWC Foundation).
- Ratios: Rappahannock Westminster-Canterbury, Inc.
- Days cash on hand was calculated by us from the audited statements using the standard formula. The formula
Days cash on hand
156 days FY2025p. 50
- Its lenders’ minimum: 120 daysp. 63
- Industry median: 321 days Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
Debt service coverage
Not disclosed in the 2025 filing
- Its lenders’ minimum: 1.20xp. 63
- Industry median: 1.80x Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
How to read these figures: what each one measures and why a lender’s minimum is a floor, not a target.
Balance sheet and trend
| Fiscal year | FY2025p. 50 | FY2024p. 50 |
|---|---|---|
| Days cash on hand | 156 days | Not disclosed |
| Total assets | $47.7 million | $43.4 million |
| Total liabilities | $41.9 million | $41.6 million |
| Long-term debt | $4.0 million | $6.3 million |
| Entrance fees not yet earned (deferred revenue) | $33.4 million | $30.2 million |
| Refunds owed to residents (refundable fee liability) | $2.6 million | $2.7 million |
| Net position (assets minus liabilities) | $5.8 million | $1.9 million |
Auditor: CliftonLarsonAllen LLP. Opinion: Unmodified (clean) opinionp. 50
Occupancy
| Level of care | 2025p. 3 |
|---|---|
| Independent living | 89% |
| Assisted living | 85% |
| Memory care | Not disclosed |
| Nursing care | 71% |
Events the filing reports
Dated facts the disclosure statement states, such as bond issues, missed covenants or changes of ownership.
Nursing care on campus
From CMS Care Compare, data as of 2026-09-01. These are the federal government’s ratings of the nursing center, not ours.
- Overall
- 5 of 5
- Health inspections
- 3 of 5
- Staffing
- 5 of 5
- Quality measures
- 5 of 5
Fines recorded by CMS: 0. Health citations since 2023-10-16: 0. RAPPAHANNOCK WESTMINSTER CANTERBURY on Care Compare
In brief
Rappahannock Westminster-Canterbury is a nonprofit continuing care community on a 165-acre campus in Irvington, Lancaster County, with 158 cottages, homes and apartments, a 38-bed assisted living center, an 8-bed memory care cottage and a 42-bed nursing center. It offers four entrance-fee options: two life-care options with declining or 50% refunds, a fee-for-service option, and a 365-day-deductible option; 2025 entrance fees run from $152,386 to $904,817 and monthly fees from $4,214 to $7,928.PDF
Nearest communities in Virginia
- Sanders
Gloucester · 19 miles away
Entrance fee: None: rental
- Williamsburg Landing
Williamsburg · 35 miles away
Entrance fee: $48,067 to $1,054,547
- Patriots Colony
Williamsburg · 37 miles away
Entrance fee: $177,629 to $912,827
Sources
- Rappahannock Westminster-Canterbury — Disclosure Statement (filed July 2025)Virginia State Corporation Commission, Bureau of Insurance · filed 2025, fiscal 2025 finances · 76 pages · retrieved 2026-10-15
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