103 Discovery Ln, Williamsburg, VA 23185 Property Records

James City County property record for 103 Discovery Ln, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,222 sqft · built 1977
Lot Size	0.796 acres (34,674 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Oct 2022)
Tax Bill	$3,806 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`47-3 05-0-0004`

Property Details

APN / Parcel Number

Primary APN	`47-3 05-0-0004`
Alternative APN	`20438`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,222 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	34,674 sqft (0.796 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	574 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20438
Street Address	103 DISCOVERY LN
City	WILLIAMSBURG
State	VA
Zip	23185-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED RESIDENTIAL
Legal Description	L-4 S-1 POW SHORES
Legal Subdivision	POWHATAN SHORES
Legal Lot Number	4
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	2
Census Block	2009
Census Tract	80308

Owner

Source: James City County records, as of November 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FCU
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 6, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jun 22, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	202215449
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104
Transaction Type	Mortgage
Record Updated	Oct 7, 2025
Title Company	LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104

Mortgage

Document Number	0202512753
Date	Sep 4, 2025
Instrument	202512753

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 25, 2022
Property Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104
Document Number	0202215449
Instrument Date	Oct 19, 2022
Instrument	202215449
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	NOT AVAILABLE, ATTTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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

Mortgage

Document Number	0202215450
Date	Oct 25, 2022
Instrument	202215450

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210013613
Date	Jul 6, 2021
Instrument	210013613

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jun 22, 2017
Property Address	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104
Document Number	0000012831
Instrument Date	Jun 16, 2017
Instrument	12831
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 DISCOVERY LN WILLIAMSBURG VA 231853104, WILLIAMSBURG, VA 23185-3104

Mortgage

Document Number	12832
Date	Jun 22, 2017
Instrument	12832

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

Tax Assessment & Valuation

Source: James City County assessment roll, as of January 1, 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	$3,806.00 (+6.4%)	$458,600 (+32.7%) Land $76,900 Building $381,700	$458,600 (+32.7%) Land $76,900 Building $381,700
2024	$3,577.00 (+24.72%)
2023	$2,868.00	$345,600 Land $58,200 Building $287,400	$345,600 Land $58,200 Building $287,400
2022	$2,868.00 (+18.51%)
2019	$2,420.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 112 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	112 in force
Nearby Flood Claims	5 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel
Claims by Event	Hurricane Isabel, Sep 2003 · 5 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

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

Wildfire Risk	Low lower than 66% of the US · above 56% 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 171 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 and 4G LTE (outdoors only)

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