10102 Fire Tower Rd, Toano, VA 23168 Property Records

James City County property record for 10102 Fire Tower Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,938 sqft · built 2019
Lot Size	30.8 acres (1,342,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,900 (Feb 2017)
Tax Bill	$8,246 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2023 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-2 03-0-0005`

Property Details

APN / Parcel Number

Primary APN	`04-2 03-0-0005`
Alternative APN	`31972`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,938 sqft Living Area
Basement Area	1,792 sqft
Finished Basement	736 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	1,342,824 sqft (30.8 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	31972
Street Address	10102 FIRE TOWER RD
City	TOANO
State	VA
Zip	23168-9507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-5 KNEMEYER-POTTER SUBDIVISION
Legal Subdivision	KNEMEYER AND POTTER
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Jan 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit NEWPORT NEWS SHIPBUILDING EMPS
Dec 4, 2019	Quit Claim Deed, Mortgage FIRST NAT'L BK/PA
Sep 7, 2018	Deed of Trust, Mortgage VALLEY NAT'L BK
Feb 22, 2017	Grant Deed, Transfer · Conventional with PMI CHESAPEAKE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2017 · Amount on Record
Deed Sale	Feb 22, 2017 · Amount on Record
Deed Document Number	20173850
Last Transfer Date	Nov 11, 2019
Transfer Doc	0000017997
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jun 8, 2026
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Document Number	0000007095
Instrument Date	Jun 3, 2026
Instrument	20267095
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507

Mortgage

Document Number	0000007095,
Date	Jun 8, 2026
Instrument	20267095

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Transaction Type	Mortgage
Record Updated	Feb 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202301001
Date	Jan 26, 2023
Instrument	202301001

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2053

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	TRIPLE CROWN TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210023406
Date	Nov 30, 2021
Instrument	210023406

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Document Number	0000003648
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10102 FIRE TOWER RD TOANO VA 231689507, TOANO, VA 23168-9507

Mortgage

Document Number	0000003648
Date	Mar 10, 2020
Instrument	3648

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPS

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 9, 2045

Interest

Rate Type	Adjustable Rate

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 4, 2019
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Document Number	0000017997
Instrument Date	Nov 11, 2019
Instrument	17997
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10102 FIRE TOWER RD TOANO VA 231689507, TOANO, VA 23168-9507

Mortgage

Document Number	17998
Date	Dec 4, 2019
Instrument	17998

Lender

Name	FIRST NAT'L BK/PA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Document Number	0000014355
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014355
Date	Sep 10, 2018
Instrument	14355

Lender

Name	VALLEY NAT'L BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

Interest

Rate Type	Fixed Rate

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 22, 2017
Property Address	10102 FIRE TOWER RD, TOANO, VA 23168-9507
Document Number	0000003850
Instrument Date	Jan 6, 2017
Instrument	3850
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	3851
Date	Feb 22, 2017
Instrument	3851

Lender

Name	CHESAPEAKE BK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Feb 21, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

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	$8,246.00 (+5.62%)	$1,149,100 (+5.35%) Land $355,300 Building $793,800	$1,149,100 (+5.35%) Land $355,300 Building $793,800
2024	$7,807.00 (-3.38%)
2023	$8,080.00 (+9.14%)	$1,090,700 Land $322,100 Building $768,600	$1,090,700 Land $322,100 Building $768,600
2022	$7,403.00 (+434.13%)
2019	$1,386.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force

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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fire Tower Rd

Nearby Streets

All Toano, VA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures