105 Richards Rd, Williamsburg, VA 23188 Property Records

James City County property record for 105 Richards Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,108 sqft · built 1964
Lot Size	0.387 acres (16,858 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Mar 2020)
Tax Bill	$2,607 (2025)
Deeds & Mortgages	Apr 2023 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-4 08-5-0005`

Property Details

APN / Parcel Number

Primary APN	`38-4 08-5-0005`
Alternative APN	`805`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,108 sqft Living Area
Basement Area	552 sqft
Finished Basement	480 sqft
Unfinished Basement	72 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	16,858 sqft (0.387 acres)
Garage Type	Attached
Deck Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	805
Street Address	105 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	Individual Name on Record
Mailing Address	105 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Intrafamily Transfer, Transfer
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Mar 31, 2020	Warranty Deed, Transfer · Conventional with PMI AMERIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Deed Document Number	20204605
Last Transfer Date	Mar 24, 2023
Transfer Doc	0202303178
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Apr 5, 2023
Property Address	105 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0202303178
Instrument Date	Mar 1, 2023
Instrument	202303178
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 RICHARDS RD, WILLIAMSBURG, VA 23188-2535

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	105 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210018326
Date	Sep 9, 2021
Instrument	210018326

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 31, 2020
Property Address	105 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0000004605
Instrument Date	Mar 19, 2020
Instrument	4605
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	105 RICHARDS RD WILLIAMSBURG VA 231882535, WILLIAMSBURG, VA 23188-2535

Mortgage

Document Number	4608
Date	Mar 31, 2020
Instrument	4608

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

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	$2,607.00 (+12.18%)	$314,200 (+12.21%) Land $71,800 Building $242,400	$314,200 (+12.21%) Land $71,800 Building $242,400
2023		$280,000 Land $60,700 Building $219,300	$280,000 Land $60,700 Building $219,300
2022	$2,324.00 (+24.34%)
2019	$1,869.00

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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