101 Cardinal Ct, Williamsburg, VA 23185 Property Records

James City County property record for 101 Cardinal Ct, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,940 sqft · built 1994
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Mar 2026 Transfer May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`45-1 04-0-0004`

Property Details

APN / Parcel Number

Primary APN	`45-1 04-0-0004`
Alternative APN	`16996`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,940 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	16996
Street Address	101 CARDINAL CT
City	WILLIAMSBURG
State	VA
Zip	23185-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-4 PH-1 SHELLBANK WOODS
Legal Subdivision	SHELLBANK WOODS
Legal Phase	1
Legal Lot Number	4
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1002
Census Tract	80304

Owner

101 Cardinal Ct is owned and occupied by an individual who acquired it in March 2026.

Source: James City County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Transfer on Death Deed, Transfer
May 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Nov 27, 2019	Deed of Trust, Mortgage · Line of Credit FIRST ADVANTAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 10, 2026
Transfer Doc	0000003089
Record Updated	Jun 8, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 13, 2026
Property Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447
Document Number	0202603089
Map Reference	MB 35 PG 88
Instrument Date	Mar 10, 2026
Instrument	202603089
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202304612
Date	May 16, 2023
Instrument	202304612

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2053

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	101 CARDINAL CT, WILLIAMSBURG, VA 23185-1447
Document Number	0000000111
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CARDINAL CT WILLIAMSBURG VA 231851447, WILLIAMSBURG, VA 23185-1447

Mortgage

Document Number	0000000111
Date	Jan 2, 2020
Instrument	111

Lender

Name	FIRST ADVANTAGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 101 Cardinal Ct was $4,032, up 6.4% from the year before.

Source: James City County assessment roll, as of October 14, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	James City County
Unified School District	James City County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,032.00 (+6.39%)	$485,900 Land $89,800 Building $396,100	$485,900 Land $89,800 Building $396,100
2024	$3,790.00 (+13.17%)
2023	$3,349.00	$403,600 Land $66,500 Building $337,100	$403,600 Land $66,500 Building $337,100
2022	$3,349.00
2019	$2,934.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Cardinal Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 27, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	16 (2003–2006)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Oct 2006 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 15 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 101 Cardinal Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JCSA - CENTRAL SYSTEM serves 57,726 people · EPA ID VA3095490
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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