103 Harlech, Williamsburg, VA 23188 Property Records

James City County property record for 103 Harlech, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,789 sqft · built 1997
Lot Size	0.519 acres (22,608 sqft)
Owner	2 Individual Names on Record
Last Sale	$324,000 (May 2020)
Tax Bill	$4,179 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-2 03-0-0166`

Property Details

APN / Parcel Number

Primary APN	`37-2 03-0-0166`
Alternative APN	`16894`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,789 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	22,608 sqft (0.519 acres)
Garage Type	Attached
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	299 sqft
Patio Area	299 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16894
Street Address	103 HARLECH
City	WILLIAMSBURG
State	VA
Zip	23188-9162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-166 S-6 FORD'S COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	166
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2001
Census Tract	80208

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	2 Individual Names on Record
Mailing Address	103 HARLECH, WILLIAMSBURG, VA 23188-9162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Unknown CHESAPEAKE BANK
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS LLC
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L NTWK INC
May 6, 2020	Warranty Deed, Transfer AMERICAN FIN'L NTWK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on Record
Deed Sale	May 6, 2020 · Amount on Record
Deed Document Number	200006202
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 HARLECH, WILLIAMSBURG, VA 23188-9162
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202403922
Date	Apr 2, 2024
Instrument	202403922

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 HARLECH, WILLIAMSBURG, VA 23188-9162
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	QUALITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210023897
Date	Dec 8, 2021
Instrument	210023897

Lender

Name	HOMETOWN LENDERS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.99%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 HARLECH, WILLIAMSBURG, VA 23188-9162
Document Number	0000022655
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARLECH WILLIAMSBURG VA 231889162, WILLIAMSBURG, VA 23188-9162

Mortgage

Document Number	0000022655
Date	Dec 29, 2020
Instrument	22655

Lender

Name	AMERICAN FIN'L NTWK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

Interest

Rate Type	Fixed Rate
Rate	2.38%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 6, 2020
Property Address	103 HARLECH, WILLIAMSBURG, VA 23188-9162
Document Number	0000006202
Instrument Date	Apr 3, 2020
Instrument	6202
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HARLECH WILLIAMSBURG VA 231889162, WILLIAMSBURG, VA 23188-9162

Mortgage

Document Number	6203
Date	May 6, 2020
Instrument	6203

Lender

Name	AMERICAN FIN'L NTWK INC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 5, 2050

Interest

Rate Type	Fixed Rate

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	$4,179.00 (+6.42%)	$503,500 (+19.37%) Land $108,900 Building $394,600	$503,500 (+19.37%) Land $108,900 Building $394,600
2024	$3,927.00 (+12.2%)
2023	$3,500.00	$421,800 Land $78,900 Building $342,900	$421,800 Land $78,900 Building $342,900
2022	$3,500.00 (+8.16%)
2019	$3,236.00

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
Flood Insurance Cost	Premium on Record median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 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	0.02% 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 179 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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