107 Formby, Williamsburg, VA 23188 Property Records

James City County property record for 107 Formby, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,451 sqft · built 1992
Lot Size	0.451 acres (19,646 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Oct 2016)
Tax Bill	$5,895 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-2 03-0-0256`

Property Details

APN / Parcel Number

Primary APN	`37-2 03-0-0256`
Alternative APN	`6972`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,451 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	19,646 sqft (0.451 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Deck Area	242 sqft
Patio Area	242 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6972
Street Address	107 FORMBY
City	WILLIAMSBURG
State	VA
Zip	23188-9198
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-256 S-6 FORD'S COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	256
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2001
Census Tract	80208

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	2 Individual Names on Record
Mailing Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Jan 15, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Nov 3, 2020	Deed of Trust, Mortgage · Conventional with PMI BROKER SOLUTIONS
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2016 · Amount on Record
Deed Sale	Oct 3, 2016 · Amount on Record
Deed Document Number	201617491
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jun 8, 2026
Property Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198
Document Number	0000007099
Instrument Date	May 22, 2026
Instrument	20267099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	0000007099,
Date	Jun 8, 2026
Instrument	20267099

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198
Document Number	0000001535
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 FORMBY WILLIAMSBURG VA 231889198, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	0000001535
Date	Jan 25, 2021
Instrument	1535

Lender

Name	TRUIST BK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198
Document Number	0000000890
Instrument Date	Nov 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 FORMBY WILLIAMSBURG VA 231889198, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	0000000890
Date	Jan 14, 2021
Instrument	890

Lender

Name	BROKER SOLUTIONS

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	107 FORMBY, WILLIAMSBURG, VA 23188-9198
Document Number	0000003854
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 FORMBY WILLIAMSBURG VA 231889198, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	0000003854
Date	Feb 22, 2017
Instrument	3854

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$5,895.00 (+17.92%)	$710,300 (+17.93%) Land $106,900 Building $603,400	$710,300 (+17.93%) Land $106,900 Building $603,400
2023		$602,300 Land $78,900 Building $523,400	$602,300 Land $78,900 Building $523,400
2022	$4,999.00 (+8.91%)
2019	$4,590.00

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
Flood Insurance Cost	Premium on Record 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

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	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 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 and 4G LTE (outdoors only)

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