107 S James St, Ashland, VA 23005 Property Records

Hanover County property record for 107 S James St, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,916 sqft · built 2010
Lot Size	0.363 acres (15,812 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Aug 2018)
Tax Bill	$4,464 (2026)
Deeds & Mortgages	Aug 2020 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7870-61-3222`

Property Details

APN / Parcel Number

Primary APN	`7870-61-3222`
Alternative APN	`10205933`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,916 sqft Living Area
1st Floor Area	360 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	15,812 sqft (0.363 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10205933
Street Address	107 S JAMES ST
City	ASHLAND
State	VA
Zip	23005-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT AT #132 HANOVER AVENUE, LOT 2
Legal Subdivision	LOT AT #132 HAN AVE
Legal Lot Number	2
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1005
Census Tract	320602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ashland Historic District listed 1983 · 325 contributing resources · NRIS 83003284

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

107 S James St is owned and occupied by an individual who bought it in August 2018.

Source: Hanover County records, as of June 4, 2026

Owner of Record	Individual Name on File
Mailing Address	107 S JAMES ST, ASHLAND, VA 23005-1824
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
Aug 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BENCHMARK MORTGAGE COMPANIES
Aug 20, 2018	Warranty Deed, Transfer · Conventional Mortgage ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Prior Sale	Dec 1, 2010 · Amount on File
Deed Document Number	2018100380
Deed Book / Page	3206 / 2305
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	107 S JAMES ST, ASHLAND, VA 23005-1824
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032711750
Date	Aug 25, 2020
Book Page	3271/1750
Instrument	20200825000144030

Lender

Name	BENCHMARK MORTGAGE COMPANIES

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANOVER VA
Recording Date	Aug 20, 2018
Property Address	107 S JAMES ST, ASHLAND, VA 23005-1824
Document Number	32062305
Book / Page	3206 / 2305
Instrument Date	Aug 10, 2018
Instrument	2018082000100380
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 S JAMES ST, ASHLAND, VA 23005-1824

Mortgage

Document Number	, 2018082000100390
Date	Aug 20, 2018
Instrument	2018082000100390

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 107 S James St was $4,464.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Ashland Town
County	Hanover County
Unified School District	Hanover County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,464.00	$551,200 Land $82,900 Building $468,300	$551,200 Land $82,900 Building $468,300

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

Flood

FEMA maps place 107 S James St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · 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 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (2003–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2018 · other causes

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 107 S James St is low, with a 0.01% 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	0.01% 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	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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