103 Richards Rd, Williamsburg, VA 23188 Property Records

James City County property record for 103 Richards Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,374 sqft · built 1963
Lot Size	0.435 acres (18,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2017)
Tax Bill	$3,254 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-4 08-5-0003`

Property Details

APN / Parcel Number

Primary APN	`38-4 08-5-0003`
Alternative APN	`1425`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,374 sqft Living Area
Basement Area	120 sqft
Unfinished Basement	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	18,949 sqft (0.435 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	326 sqft
Deck Area	378 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1425
Street Address	103 RICHARDS RD
City	WILLIAMSBURG
State	VA
Zip	23188-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	LOT GILLEY SUBDIVISION
Legal Subdivision	INDIGO PARK
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2011
Census Tract	80202

Owner

Source: James City County records, as of August 25, 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	103 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2017	Warranty Deed, Transfer · VA Mortgage PRIME MTG LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Sep 22, 2016
Deed Document Number	201713748
Prior Transfer Date	Sep 21, 2016
Prior Transfer Doc	0000016896
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	103 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003761
Date	Mar 1, 2021
Instrument	210003761

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 7, 2017
Property Address	103 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0000013748
Instrument Date	Jun 30, 2017
Instrument	13748
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

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
Address	103 RICHARDS RD WILLIAMSBURG VA 231882535, WILLIAMSBURG, VA 23188-2535

Mortgage

Document Number	13749
Date	Jul 7, 2017
Instrument	13749

Lender

Name	PRIME MTG LNDG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2047

Interest

Rate Type	Fixed Rate

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	$3,254.00 (+31.9%)	$392,100 (+11.27%) Land $71,900 Building $320,200	$392,100 (+11.27%) Land $71,900 Building $320,200
2023		$352,400 Land $60,700 Building $291,700	$352,400 Land $60,700 Building $291,700
2019	$2,467.00

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	2 in force
Nearby Flood Claims	5 (1979–2006)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 2006

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 94% of the US · lower than 96% 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 250 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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