103 Cove Rd, Williamsburg, VA 23185 Property Records

James City County property record for 103 Cove Rd, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,105 sqft · built 1970
Lot Size	0.747 acres (32,539 sqft)
Owner	2 Company Names on File
Last Sale	$245,000 (Sep 2013)
Tax Bill	$3,587 (2025)
Deeds & Mortgages	May 2026 Sale Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-1 02-4-0005`

Property Details

APN / Parcel Number

Primary APN	`49-1 02-4-0005`
Alternative APN	`11342`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,105 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	32,539 sqft (0.747 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	236 sqft
Deck Area	934 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11342
Street Address	103 COVE RD
City	WILLIAMSBURG
State	VA
Zip	23185-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-5 S-4 KINGSPOINT
Legal Subdivision	KINGSPOINT
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	ROBERTS
Census Block Group	1
Census Block	1001
Census Tract	80203

Owner

103 Cove Rd is owned by a company that acquired it in May 2026.

Source: James City County records, as of July 7, 2026

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

Owner of Record	2 Company Names on File
Mailing Address	103 COVE RD, WILLIAMSBURG, VA 23185-4413
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BOX HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2013 · Amount on File
Deed Sale	Sep 5, 2013 · Amount on File
Deed Book / Page	1300 / 20947
Last Transfer Date	May 22, 2026
Transfer Doc	0000006254
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 26, 2026
Property Address	103 COVE RD, WILLIAMSBURG, VA 23185-4413
Document Number	0000006254
Instrument Date	May 22, 2026
Instrument	20266254
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	103 COVE RD, WILLIAMSBURG, VA 23185-4413

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 COVE RD, WILLIAMSBURG, VA 23185-4413
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202201408
Date	Jan 31, 2022
Instrument	202201408

Lender

Name	BOX HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 103 Cove Rd was $3,587, up 10.3% 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	$3,587.00 (+10.3%)	$432,200 Land $127,000 Building $305,200	$432,200 Land $127,000 Building $305,200
2024	$3,252.00 (+19.16%)
2023	$2,729.00 (+17.93%)	$328,800 Land $116,900 Building $211,900	$328,800 Land $116,900 Building $211,900
2022	$2,314.00
2019	$1,984.00

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

Flood

FEMA maps place 103 Cove Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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 103 Cove Rd is low, with a 0.03% 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	0.03% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cove Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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