108 Gray's Deed, Williamsburg, VA 23185 Property Records

James City County property record for 108 Gray's Deed, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,923 sqft · built 1982
Lot Size	0.482 acres (20,996 sqft)
Owner	2 Individual Names on File
Last Sale	$392,000 (Nov 2017)
Tax Bill	$3,318 (2019)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-4 02-0-0090`

Property Details

APN / Parcel Number

Primary APN	`49-4 02-0-0090`
Alternative APN	`19469`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,923 sqft Living Area
Gross Area	3,454 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	20,996 sqft (0.482 acres)
Garage Type	Attached
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	19469
Street Address	108 GRAYS DEED
City	WILLIAMSBURG
State	VA
Zip	23185-5109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-90 TUTTER'S NECK
Legal Subdivision	KINGSMILL
Legal Lot Number	90
Jurisdiction	JAMES CITY VA
Township / Civil Division	ROBERTS
Census Block Group	2
Census Block	2008
Census Tract	80104

Owner

108 Gray's Deed is owned and occupied by two individuals who bought it in November 2017.

Source: James City County records, as of October 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	108 GRAYS DEED, WILLIAMSBURG, VA 23185-5109
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
Feb 3, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FEDERAL SAVINGS BANK
Nov 3, 2017	Warranty Deed, Transfer USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2017 · Amount on File
Deed Sale	Nov 3, 2017 · Amount on File
Prior Sale	Jun 23, 2005 · Amount on File
Deed Document Number	170020974
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	108 GRAYS DEED, WILLIAMSBURG, VA 23185-5109
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002218
Date	Feb 3, 2021
Instrument	210002218

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.88%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 3, 2017
Property Address	108 GRAYS DEED, WILLIAMSBURG, VA 23185-5109
Document Number	0000020974
Instrument Date	Oct 16, 2017
Instrument	20974
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount 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	108 GRAYS DEED WILLIAMSBURG VA 231855109, WILLIAMSBURG, VA 23185-5109

Mortgage

Document Number	20975
Date	Nov 3, 2017
Instrument	20975

Lender

Name	USAA

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 2, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: James City County assessment roll, as of January 1, 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		$518,200 Land $139,900 Building $378,300	$518,200 Land $139,900 Building $378,300
2023		$435,400 Land $125,800 Building $309,600	$435,400 Land $125,800 Building $309,600
2019	$3,318.00

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

Flood

FEMA maps place 108 Gray's Deed 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 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 108 Gray's Deed 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NEWPORT NEWS serves 407,300 people · EPA ID VA3700500
Water Source	Surface water
Last State Inspection	Sep 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 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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