104 Saddle Brk, Williamsburg, VA 23188 Property Records

James City County property record for 104 Saddle Brk, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,133 sqft · built 2005
Lot Size	0.537 acres (23,392 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Dec 2020)
Tax Bill	$7,323 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Feb 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`38-1 07-0-0026`

Property Details

APN / Parcel Number

Primary APN	`38-1 07-0-0026`
Alternative APN	`22525`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	4,133 sqft Living Area
Basement Area	2,757 sqft
Finished Basement	625 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	23,392 sqft (0.537 acres)
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	368 sqft
Deck Area	330 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	22525
Street Address	104 SADDLE BRK
City	WILLIAMSBURG
State	VA
Zip	23188-8922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-26 S-13A FORDS COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	26
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2006
Census Tract	80208

Owner

104 Saddle Brk is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 SADDLE BRK, WILLIAMSBURG, VA 23188-8922
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Warranty Deed, Transfer ATLANTIC BAY MTG
Feb 9, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Feb 9, 2018
Deed Document Number	200022071
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 18, 2020
Property Address	104 SADDLE BRK, WILLIAMSBURG, VA 23188-8922
Document Number	0000022071
Instrument Date	Dec 14, 2020
Instrument	22071
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SADDLE BRK WILLIAMSBURG VA 231888922, WILLIAMSBURG, VA 23188-8922

Mortgage

Document Number	22073
Date	Dec 18, 2020
Instrument	22073

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2050

Interest

Rate Type	Fixed Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 9, 2018
Property Address	104 SADDLE BRK, WILLIAMSBURG, VA 23188-8922
Document Number	0000003002
Instrument Date	Dec 18, 2017
Instrument	3002
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SADDLE BRK WILLIAMSBURG VA 231888922, WILLIAMSBURG, VA 23188-8922

Tax Assessment & Valuation

The 2025 property tax bill for 104 Saddle Brk was $7,323, up 6.4% from the year before.

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	$7,323.00 (+6.41%)	$882,400 Land $145,600 Building $736,800	$882,400 Land $145,600 Building $736,800
2024	$6,882.00 (+7.94%)
2023	$6,376.00	$768,200 Land $150,400 Building $617,800	$768,200 Land $150,400 Building $617,800
2022	$6,376.00
2019	$5,712.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Saddle Brk in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 104 Saddle Brk is low, with a 0.02% annual chance of 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	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.

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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