WindsorMeade Williamsburg
3900 Windsor Hall Drive, Williamsburg, Virginia 23188
- Operator:
- Virginia United Methodist Homes of Williamsburg, Inc. d/b/a WindsorMeade Williamsburg (sole member Pinnacle Living)
- Ownership:
- Nonprofit
- Affiliation:
- United Methodist (related by heritage; not controlled by or a financial obligation of the Virginia Annual Conference)
- Opened:
- Not disclosed in the 2025 filing
Virginia not-for-profit, non-stock corporation; sole member is Pinnacle Living (Virginia United Methodist Homes, Inc.), which provides administrative services for a 6% monthly base fee on GAAP operating revenue plus up to 3% at year end (p12). Pinnacle Living is not responsible for WindsorMeade's obligations (p7).
- 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
- Declining Balance RefundCan decline to nothing
- 50% RefundNever less than 50% of the fee
- 70% RefundNever less than 70% of the fee
- 80% RefundNever less than 80% of the fee
- 90% RefundTerms not disclosed in the 2025 filing
Days cash on hand
Read the note on this figure
Computed by us from WindsorMeade's own column: unrestricted cash $2,696,093 + investments $9,165,502, excluding $3,871,855 of assets whose use is limited. The disclosure states no days-cash or coverage ratio.
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 C (fee for service): Care is charged at market rates when you need it.
How the contract types compare
Type C (fee for service)The filing calls it Preferred Choice / Fee-for-Service; we class contracts by how care is priced (our definitions).
Assisted living, memory support and nursing are billed at the market rate when needed, and the monthly fee can rise with the level and duration of care. Residents have priority over Pinnacle Advantage members and non-residents (after Lifecare residents). Health-care daily rates are not published in this disclosure.p. 27
- Assisted living
- Market rate at the time the service is needed
- Nursing care
- Market rate at the time the service is needed
- Priority for a bed
- Yes, residents come before outside admissions
| Independent living | 181 |
|---|---|
| Assisted living | 14 |
| Memory care | 18 |
| Nursing care | 22 |
Entrance fees
One-person prices as the filing lists them, by contract. A second person usually pays the extra amount shown.
Preferred Choice / Fee-for-Service · Type C (fee for service) (36 prices, $252,700 to $1,131,500)
| Unit | Sq ft | Refund plan | Price, one person | Second person |
|---|---|---|---|---|
| Windsor Hall Apartment - Dover (1 + den, 1 1/2 bath) | 1,054 | Declining Balance Refund | $252,700 to $273,000p. 16 | $35,200 |
| Windsor Hall Apartment - Dover (1 + den, 1 1/2 bath) | 1,054 | 50% Refund | $346,200 to $373,900p. 17 | $48,300 |
| Windsor Hall Apartment - Scotney (2 bed, 2 bath) | 1,350 | Declining Balance Refund | $364,900 to $394,100p. 16 | $35,200 |
| Windsor Hall Apartment - Scotney (2 bed, 2 bath) | 1,350 | 50% Refund | $500,000 to $540,000p. 17 | $48,300 |
| Windsor Hall Apartment - Leeds (2 + den, 2 bath) | 1,690 | Declining Balance Refund | $481,400 to $520,000p. 16 | $35,200 |
| Windsor Hall Apartment - Leeds (2 + den, 2 bath) | 1,690 | 50% Refund | $659,600 to $712,400p. 17 | $48,300 |
| Windsor Hall Apartment - Ludlow (2 + den, 2 bath) | 1,797 | Declining Balance Refund | $491,200 to $530,500p. 16 | $35,200 |
| Windsor Hall Apartment - Ludlow (2 + den, 2 bath) | 1,797 | 50% Refund | $673,000 to $726,900p. 17 | $48,300 |
| Windsor Hall Apartment - Cadbury (2 + den, 2 bath) | 1,900 | Declining Balance Refund | $492,500 to $531,900p. 16 | $35,200 |
| Windsor Hall Apartment - Cadbury (2 + den, 2 bath) | 1,900 | 50% Refund | $674,800 to $728,800p. 17 | $48,300 |
| Windsor Hall Apartment - Raby (2 + den, 2 bath) | 1,937 | Declining Balance Refund | $509,300 to $550,100p. 16 | $35,200 |
| Windsor Hall Apartment - Raby (2 + den, 2 bath) | 1,937 | 50% Refund | $697,800 to $753,700p. 17 | $48,300 |
| Villa - Yarmouth I (2 bed, 2 1/2 bath) | 1,704 | Declining Balance Refund | $514,300 to $555,500p. 16 | $35,200 |
| Villa - Yarmouth I (2 bed, 2 1/2 bath) | 1,704 | 50% Refund | $704,600 to $761,000p. 17 | $48,300 |
| Villa - Yarmouth I + sunroom (2 bed, 2 1/2 bath) | 1,845 | Declining Balance Refund | $565,600 to $610,900p. 16 | $35,200 |
| Villa - Yarmouth I + sunroom (2 bed, 2 1/2 bath) | 1,845 | 50% Refund | $774,900 to $836,900p. 17 | $48,300 |
| Villa - Yarmouth I + sunroom + studio (2 bed, 2 1/2 bath) | 2,051 | Declining Balance Refund | $641,300 to $692,700p. 16 | $35,200 |
| Villa - Yarmouth I + sunroom + studio (2 bed, 2 1/2 bath) | 2,051 | 50% Refund | $878,600 to $948,900p. 17 | $48,300 |
| Villa - Yarmouth II + sunroom + studio (2 bed, 2 1/2 bath) | 2,525 | Declining Balance Refund | $705,000 to $761,400p. 16 | $35,200 |
| Villa - Yarmouth II + sunroom + studio (2 bed, 2 1/2 bath) | 2,525 | 50% Refund | $965,900 to $1,043,200p. 17 | $48,300 |
| Villa - Edinburgh I (2 + den, 2 1/2 bath) | 1,884 | Declining Balance Refund | $597,400 to $645,200p. 16 | $35,200 |
| Villa - Edinburgh I (2 + den, 2 1/2 bath) | 1,884 | 50% Refund | $818,500 to $884,000p. 17 | $48,300 |
| Villa - Edinburgh I + sunroom (2 + den, 2 1/2 bath) | 2,084 | Declining Balance Refund | $649,500 to $701,500p. 16 | $35,200 |
| Villa - Edinburgh I + sunroom (2 + den, 2 1/2 bath) | 2,084 | 50% Refund | $889,900 to $961,100p. 17 | $48,300 |
| Villa - Edinburgh II + sunroom (4 + den, 3 1/2 bath) | 2,564 | Declining Balance Refund | $703,000 to $759,300p. 16 | $35,200 |
| Villa - Edinburgh II + sunroom (4 + den, 3 1/2 bath) | 2,564 | 50% Refund | $963,200 to $1,040,300p. 17 | $48,300 |
| Villa - Durham I (2 + den, 2 1/2 bath) | 2,265 | Declining Balance Refund | $656,400 to $709,000p. 16 | $35,200 |
| Villa - Durham I (2 + den, 2 1/2 bath) | 2,265 | 50% Refund | $899,300 to $971,300p. 17 | $48,300 |
| Villa - Durham I + studio (2 + den, 2 1/2 bath) | 2,433 | Declining Balance Refund | $672,900 to $726,800p. 16 | $35,200 |
| Villa - Durham I + studio (2 + den, 2 1/2 bath) | 2,433 | 50% Refund | $921,900 to $995,700p. 17 | $48,300 |
| Villa - Durham I + sunroom (2 + den, 2 1/2 bath) | 2,470 | Declining Balance Refund | $702,300 to $758,500p. 16 | $35,200 |
| Villa - Durham I + sunroom (2 + den, 2 1/2 bath) | 2,470 | 50% Refund | $962,200 to $1,039,200p. 17 | $48,300 |
| Villa - Durham I + sunroom + studio (2 + den, 2 1/2 bath) | 2,639 | Declining Balance Refund | $701,400 to $757,600p. 16 | $35,200 |
| Villa - Durham I + sunroom + studio (2 + den, 2 1/2 bath) | 2,639 | 50% Refund | $961,000 to $1,037,900p. 17 | $48,300 |
| Villa - Durham II + sunroom + studio (3 + den, 3 1/2 bath) | 3,314 | Declining Balance Refund | $764,600 to $825,800p. 16 | $35,200 |
| Villa - Durham II + sunroom + studio (3 + den, 3 1/2 bath) | 3,314 | 50% Refund | $1,047,600 to $1,131,500p. 17 | $48,300 |
Monthly fees
What residents pay each month, by contract and level of care. A second person adds the amount shown.
Preferred Choice / Fee-for-Service · Type C (fee for service) (18 prices, $5,475 to $6,460)
| Unit | Level of care | Per month, one person | Second person |
|---|---|---|---|
| Windsor Hall Apartment - Dover (1 + den, 1 1/2 bath) | Independent living | $5,475p. 16 | $1,420 |
| Windsor Hall Apartment - Scotney (2 bed, 2 bath) | Independent living | $5,740p. 16 | $1,420 |
| Windsor Hall Apartment - Leeds (2 + den, 2 bath) | Independent living | $6,025p. 16 | $1,420 |
| Windsor Hall Apartment - Ludlow (2 + den, 2 bath) | Independent living | $6,040p. 16 | $1,420 |
| Windsor Hall Apartment - Cadbury (2 + den, 2 bath) | Independent living | $6,195p. 16 | $1,420 |
| Windsor Hall Apartment - Raby (2 + den, 2 bath) | Independent living | $6,230p. 16 | $1,420 |
| Villa - Yarmouth I (2 bed, 2 1/2 bath) | Independent living | $5,955p. 16 | $1,420 |
| Villa - Yarmouth I + sunroom (2 bed, 2 1/2 bath) | Independent living | $5,955p. 16 | $1,420 |
| Villa - Yarmouth I + sunroom + studio (2 bed, 2 1/2 bath) | Independent living | $5,955p. 16 | $1,420 |
| Villa - Yarmouth II + sunroom + studio (2 bed, 2 1/2 bath) | Independent living | $5,955p. 16 | $1,420 |
| Villa - Edinburgh I (2 + den, 2 1/2 bath) | Independent living | $6,155p. 16 | $1,420 |
| Villa - Edinburgh I + sunroom (2 + den, 2 1/2 bath) | Independent living | $6,155p. 16 | $1,420 |
| Villa - Edinburgh II + sunroom (4 + den, 3 1/2 bath) | Independent living | $6,155p. 16 | $1,420 |
| Villa - Durham I (2 + den, 2 1/2 bath) | Independent living | $6,460p. 16 | $1,420 |
| Villa - Durham I + studio (2 + den, 2 1/2 bath) | Independent living | $6,460p. 16 | $1,420 |
| Villa - Durham I + sunroom (2 + den, 2 1/2 bath) | Independent living | $6,460p. 16 | $1,420 |
| Villa - Durham I + sunroom + studio (2 + den, 2 1/2 bath) | Independent living | $6,460p. 16 | $1,420 |
| Villa - Durham II + sunroom + studio (3 + den, 3 1/2 bath) | Independent living | $6,460p. 16 | $1,420 |
Fee increases, year by year
| Year | Level of care | Unit | Increase | Monthly fee, before and after |
|---|---|---|---|---|
| 2025 | Independent living | Apartment | +$227 a month | Dollar change onlyp. 18 |
| 2025 | Independent living | Villa | +$237 a month | Dollar change onlyp. 18 |
| 2025 | Assisted living | All units | +$352 a month | Dollar change onlyp. 18 |
| 2025 | Nursing care | Health Care | +$360 a month | Dollar change onlyp. 18 |
| 2025 | Memory care | All units | +$608 a month | Dollar change onlyp. 18 |
| 2024 | Independent living | Apartment | +$260 a month | Dollar change onlyp. 18 |
| 2024 | Independent living | Villa | +$272 a month | Dollar change onlyp. 18 |
| 2024 | Assisted living | All units | +$428 a month | Dollar change onlyp. 18 |
| 2024 | Nursing care | Health Care | +$608 a month | Dollar change onlyp. 18 |
| 2024 | Memory care | All units | +$415 a month | Dollar change onlyp. 18 |
| 2023 | Independent living | Apartment | +$382 a month | Dollar change onlyp. 18 |
| 2023 | Independent living | Villa | +$400 a month | Dollar change onlyp. 18 |
| 2023 | Assisted living | All units | +$435 a month | Dollar change onlyp. 18 |
| 2023 | Nursing care | Health Care | +$973 a month | Dollar change onlyp. 18 |
| 2023 | Memory care | All units | +$850 a month | Dollar change onlyp. 18 |
| 2022 | Independent living | Apartment | +$238 a month | Dollar change onlyp. 18 |
| 2022 | Independent living | Villa | +$251 a month | Dollar change onlyp. 18 |
| 2022 | Assisted living | All units | +$375 a month | Dollar change onlyp. 18 |
| 2022 | Nursing care | Health Care | +$822 a month | Dollar change onlyp. 18 |
| 2022 | Memory care | All units | +$510 a month | Dollar change onlyp. 18 |
| 2021 | Independent living | Apartment | +$142 a month | Dollar change onlyp. 18 |
| 2021 | Independent living | Villa | +$148 a month | Dollar change onlyp. 18 |
| 2021 | Assisted living | All units | +$0 a month | Dollar change onlyp. 18 |
| 2021 | Nursing care | Health Care | +$0 a month | Dollar change onlyp. 18 |
| 2021 | Memory care | All units | +$215 a month | Dollar change onlyp. 18 |
Refunds
What comes back from the entrance fee when you leave or die, and when it is paid.
Declining Balance Refundp. 32
10% of the entrance fee is kept as an administrative fee at the start, then 2% more per month; nothing is refunded after 45 months. Any refund is paid within 60 days after you vacate and a new resident pays the entrance fee for your residence.
- Kept on move-in
- 10% of the fee
- Declines by
- 2% a month for 45 months
- Never less than
- Nothing: it can decline to zero
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
50% Refundp. 32
10% administrative fee plus 2% per month for 20 months, after which the refund stays at 50% of the entrance fee. Paid within 60 days after you vacate and a new resident pays the entrance fee for your residence.
- Kept on move-in
- 10% of the fee
- Declines by
- 2% a month for 20 months
- Never less than
- 50% of the fee
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
70% Refundp. 33
10% administrative fee plus 2% per month for 10 months, then a constant 70% refund, paid after your residence is re-sold. Offered in the agreement; no price schedule is included in this disclosure.
- Kept on move-in
- 10% of the fee
- Declines by
- 2% a month for 10 months
- Never less than
- 70% of the fee
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
80% Refundp. 33
10% administrative fee plus 2% per month for 5 months, then a constant 80% refund, paid after your residence is re-sold. Offered in the agreement; no price schedule is included in this disclosure.
- Kept on move-in
- 10% of the fee
- Declines by
- 2% a month for 5 months
- Never less than
- 80% of the fee
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
90% Refundp. 33
Refund reaches a constant 90% after the first month (10% administrative fee), paid after your residence is re-sold. Offered in the agreement; no price schedule is included in this disclosure.
- Kept on move-in
- 10% of the fee
- Declines by
- Not disclosed in the 2025 filing
- Never less than
- Not disclosed in the 2025 filing
- Longest wait
- No limit stated
- Paid
- When your unit is re-occupied and the new resident has paid
Refund calculator
Estimated refund: $0 (0% of the fee)
When it is paid: when your unit is re-occupied and the new resident has paid. 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.
- WindsorMeade Williamsburg is part of Pinnacle Living (combined financial statements).
- Balance sheet: WindsorMeade (column of Pinnacle Living combining balance sheet).
- Ratios: WindsorMeade.
- Days cash on hand was calculated by us from the audited statements using the standard formula. The formula
Days cash on hand
222.7 days FY2025p. 122
- Its lenders’ minimum: Not disclosed in the 2025 filing
- 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: Not disclosed in the 2025 filing
- Industry median: 1.80x Ziegler median for fiscal 2022, 132 bond-financed not-for-profit entrance-fee CCRCs
Read with these figuresComputed by us from WindsorMeade's own column: unrestricted cash $2,696,093 + investments $9,165,502, excluding $3,871,855 of assets whose use is limited. The disclosure states no days-cash or coverage ratio.
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. 122 | FY2024p. 123 |
|---|---|---|
| Days cash on hand | 222.7 days | 264.3 days |
| Total assets | $103.7 million | $107.2 million |
| Total liabilities | $131.5 million | $134.3 million |
| Long-term debt | $52.8 million | Not disclosed |
| Entrance fees not yet earned (deferred revenue) | $30.5 million | Not disclosed |
| Refunds owed to residents (refundable fee liability) | $45.3 million | Not disclosed |
| Net position (assets minus liabilities) | −$27.7 million | −$27.1 million |
Auditor: Brown, Edwards & Company, L.L.P.. Opinion: Unmodified (clean) opinionp. 122
Occupancy
| Level of care | 2025p. 19 |
|---|---|
| Independent living | 96% |
| Assisted living | 97% |
| Memory care | 96% |
| Nursing care | 86% |
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
- 4 of 5
- Staffing
- 5 of 5
- Quality measures
- 4 of 5
Fines recorded by CMS: 0. Health citations since 2023-10-16: 7. WINDSORMEADE OF WILLIAMSBURG on Care Compare
CARF-accredited since 2022. Check on CARF’s site
In brief
WindsorMeade is a 181-residence independent living community (96 villas and 85 apartments) in Williamsburg with 14 assisted living, 18 memory support and 22 health care residences, run by a nonprofit whose sole member is Pinnacle Living. Its contract is fee-for-service: entrance fees run from $252,700 (declining refund) to $1,131,500 (50% refund), and later care is billed at market rates. WindsorMeade's own balance sheet showed net assets of -$27.7 million at May 31, 2025.PDF
Also in Williamsburg
- Patriots Colony
Williamsburg
Entrance fee: $177,629 to $912,827
- Williamsburg Landing
Williamsburg
Entrance fee: $48,067 to $1,054,547
Sources
- WindsorMeade Williamsburg — Disclosure Statement 2025-2026Virginia State Corporation Commission, Bureau of Insurance · filed 2025, fiscal 2025 finances · 150 pages · retrieved 2026-10-15
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