James City County property record for 104 Gullane, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,720 sqft · built 1996 |
| Lot Size | 0.371 acres (16,204 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $6,342 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-1 02-0-0192 |
| Primary APN | 37-1 02-0-0192 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 15 Rooms |
| Stories | 2 Stories |
| Building Area | 3,720 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Material | Fiberglass |
| Lot Area | 16,204 sqft (0.371 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 432 sqft |
| Patio Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18795 |
|---|---|
| Street Address | 104 GULLANE |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-7438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDENTIAL PLANNED CO |
| Legal Description | L-192 S-2 FORD'S COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 192 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | POWHATAN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 80207 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 104 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST FINANCIAL LLC |
| Jul 5, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 1, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 10, 2011 |
| Transfer Doc | 0000010487 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 104 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | PROSPERITY TITLE&ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0210013829 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 210013829 |
| Name | CORNERSTONE FIRST FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 104 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Document Number | 0000012284 |
| Instrument Date | Jul 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000012284 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 12284 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 104 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Document Number | 0000005714 |
| Instrument Date | Mar 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 104 GULLANE WILLIAMSBURG VA 231887438, WILLIAMSBURG, VA 23188-7438 |
| Document Number | 0000005714 |
|---|---|
| Date | Mar 17, 2017 |
| Instrument | 5714 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: James City County assessment roll, as of January 1, 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 | $6,342.00 (+6.41%) | $764,200 (+20.5%) Land $180,800 Building $583,400 | $764,200 (+20.5%) Land $180,800 Building $583,400 |
| 2024 | $5,960.00 (+13.24%) | ||
| 2023 | $5,263.00 | $634,200 Land $133,800 Building $500,400 | $634,200 Land $133,800 Building $500,400 |
| 2022 | $5,263.00 (+5.81%) | ||
| 2019 | $4,974.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 | 0.02% 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 192 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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