105 Dunes, Williamsburg, VA 23188 Property Records

James City County property record for 105 Dunes, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,075 sqft · built 2005
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Apr 2014)
Tax Bill	$5,312 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-1 10-0-0016`

Property Details

APN / Parcel Number

Primary APN	`38-1 10-0-0016`
Alternative APN	`19198`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,075 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.369 acres)
Garage Type	Attached
Garage Area	583 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	292 sqft
Deck Area	178 sqft
Patio Area	178 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19198
Street Address	105 DUNES
City	WILLIAMSBURG
State	VA
Zip	23188-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-16 S-9A FORDS COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	16
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2000
Census Tract	80209

Owner

105 Dunes is owned and occupied by an individual who bought it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	105 DUNES, WILLIAMSBURG, VA 23188-8906
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
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Jun 30, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN INTERNET MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2014 · Amount on File
Deed Sale	Apr 14, 2014 · Amount on File
Prior Sale	Apr 18, 2005 · Amount on File
Deed Document Number	140006085
Deed Book / Page	1400 / 06085
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	105 DUNES, WILLIAMSBURG, VA 23188-8906
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002072
Date	Feb 2, 2021
Instrument	210002072

Lender

Name	AMERICAN INTERNET MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.63%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	105 DUNES, WILLIAMSBURG, VA 23188-8906
Document Number	0000010026
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 DUNES WILLIAMSBURG VA 231888906, WILLIAMSBURG, VA 23188-8906

Mortgage

Document Number	0000010026
Date	Jul 8, 2020
Instrument	10026

Lender

Name	AMERICAN INTERNET MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 105 Dunes was $5,312, 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	$5,312.00 (+6.41%)	$640,100 Land $105,900 Building $534,200	$640,100 Land $105,900 Building $534,200
2024	$4,992.00 (+6.03%)
2023	$4,708.00	$567,300 Land $78,900 Building $488,400	$567,300 Land $78,900 Building $488,400
2022	$4,708.00
2019	$4,327.00

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

Flood

FEMA maps place 105 Dunes 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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 105 Dunes 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 221 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

Nearby Properties on Dunes

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