James City County property record for 108 Cartgate, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,434 sqft · built 1998 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $447,910 (Sep 2021) |
| Tax Bill | $4,137 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Jul 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-4 10-0-0024 |
| Primary APN | 32-4 10-0-0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,434 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Garage Area | 608 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 179 sqft |
| Patio Area | 179 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 20088 |
|---|---|
| Street Address | 108 CARTGATE |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-9167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-24 S-11A FORDS COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 24 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 80209 |
Source: James City County records, as of June 29, 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 | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2026 | Transfer on Death Deed, Transfer TOP PRIORITY TITLE, PRIORITY TITLE |
| Jul 17, 2026 | Bargain and Sale Deed, Transfer TOP PRIORITY TITLE, PRIORITY TITLE |
| Jun 15, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS AND FARMERS BANK |
| Sep 2, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage CITIZENS & FARMERS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2021 · Amount on Record |
| Deed Sale | Sep 2, 2021 · Amount on Record |
| Deed Document Number | 202117947 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Aug 13, 2026 |
| Property Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Number | 0000010435 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202610435 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TOP PRIORITY TITLE, PRIORITY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Jul 17, 2026 |
| Property Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Number | 0000009258 |
| Instrument Date | Jun 13, 2026 |
| Instrument | 20269258 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | TOP PRIORITY TITLE, PRIORITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $68,730.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Jun 15, 2026 |
| Property Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Number | 0000007413 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20267413 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007413, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 20267413 |
| Name | CITIZENS AND FARMERS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Sep 2, 2021 |
| Property Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Document Number | 210017947 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 210017947 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 CARTGATE, WILLIAMSBURG, VA 23188-9167 |
| Investor | Possibly a Property Investor |
| Document Number | 0210017948 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 210017948 |
| Name | CITIZENS & FARMERS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: James City County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,137.00 (+6.4%) | $498,500 (+13.99%) Land $98,100 Building $400,400 | $498,500 (+13.99%) Land $98,100 Building $400,400 |
| 2024 | $3,888.00 (+7.14%) | ||
| 2023 | $3,629.00 | $437,300 Land $69,300 Building $368,000 | $437,300 Land $69,300 Building $368,000 |
| 2022 | $3,629.00 (+9.9%) | ||
| 2019 | $3,302.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 143 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 |
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