James City County property record for 108 Dunes, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,914 sqft · built 2001 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,836 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-1 10-0-0021 |
| Primary APN | 38-1 10-0-0021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,914 sqft Living Area |
| Basement Area | 1,914 sqft |
| Finished Basement | 1,703 sqft |
| Unfinished Basement | 211 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 287 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 18481 |
|---|---|
| Street Address | 108 DUNES |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-8906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-21 S-9A FORDS COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 21 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 80209 |
108 Dunes is owner-occupied and held in a trust.
Source: James City County records, as of July 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 108 DUNES, WILLIAMSBURG, VA 23188-8906 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 DUNES, WILLIAMSBURG, VA 23188-8906 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 108 DUNES, WILLIAMSBURG, VA 23188-8906 |
| Document Number | 0202517037 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 202517037 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 108 Dunes was $4,836, up 6.4% from the year before.
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 | $4,836.00 (+6.4%) | $582,700 Land $110,900 Building $471,800 | $582,700 Land $110,900 Building $471,800 |
| 2024 | $4,545.00 (+8.99%) | ||
| 2023 | $4,170.00 | $502,500 Land $78,900 Building $423,600 | $502,500 Land $78,900 Building $423,600 |
| 2022 | $4,170.00 | ||
| 2019 | $3,842.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 risk around 108 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.
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 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 |
5G (outdoors only) and 4G LTE
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