James City County property record for 103 Willow Dr, Williamsburg, VA 23185
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1958 |
| Lot Size | 0.528 acres (23,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (May 2015) |
| Tax Bill | $2,592 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-1 07-0-0011 |
| Primary APN | 48-1 07-0-0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 23,000 sqft (0.528 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4929 |
|---|---|
| Street Address | 103 WILLOW DR |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23185-3823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 GENERAL |
| Legal Description | L-11 S-B BIRCHWOOD PARK |
| Legal Subdivision | BIRCHWOOD PARK AND MARLBORO |
| Legal Lot Number | 11 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | ROBERTS |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 80203 |
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 WILLOW DR, WILLIAMSBURG, VA 23185-3823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAYPORT CU |
| Apr 7, 2021 | Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2015 · Amount on Record |
| Deed Sale | May 7, 2015 · Amount on Record |
| Deed Book / Page | 1500 / 8550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 103 WILLOW DR, WILLIAMSBURG, VA 23185-3823 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0202514382 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 202514382 |
| Name | BAYPORT CU |
|---|---|
| Type | Credit Union |
| Address | NEWPORT NEWS, VA 23606 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 8, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 103 WILLOW DR, WILLIAMSBURG, VA 23185-3823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210006709 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 210006709 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: James City County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,592.00 (+50.35%) | $312,400 (+30.93%) Land $81,100 Building $231,300 | $312,400 (+30.93%) Land $81,100 Building $231,300 |
| 2023 | $238,600 Land $64,100 Building $174,500 | $238,600 Land $64,100 Building $174,500 | |
| 2019 | $1,724.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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.
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 | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 |
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