James City County property record for 108 Keystone, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 3,366 sqft · built 2018 |
| Lot Size | 0.345 acres (15,028 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $92,500 (Mar 2016) |
| Tax Bill | $5,797 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-1 09-0-0015 |
| Primary APN | 38-1 09-0-0015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,366 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 15,028 sqft (0.345 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 451 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 15083 |
|---|---|
| Street Address | 108 KEYSTONE |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-7887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-15 S-13E FORDS COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 15 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 80208 |
Source: James City County records · APN 38-1 09-0-0015
Assessment roll updated October 14, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Mar 27, 2026 | Intrafamily Transfer, Transfer |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 19, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jun 29, 2017 | Deed of Trust, Mortgage FULTON BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 07, 2016 · Amount on Record |
| Deed Sale | Mar 07, 2016 · Amount on Record |
| Deed Document Number | 20164359 |
| Last Transfer Date | Mar 24, 2026 |
| Transfer Doc | 0000003629 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Mar 27, 2026 |
| Property Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Document Number | 0202603629 |
| Map Reference | MB 57 PG 16&17 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202603629 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210010624 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 210010624 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Document Number | 0000015771 |
| Instrument Date | Sep 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 108 KEYSTONE WILLIAMSBURG VA 231887887, WILLIAMSBURG, VA 23188-7887 |
| Document Number | 0000015771 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 15771 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 27, 2059 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 KEYSTONE, WILLIAMSBURG, VA 23188-7887 |
| Document Number | 0000013369 |
| Instrument Date | Jun 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0000013369 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 13369 |
| Name | FULTON BK NA |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 28, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: James City County records · Assessment roll updated October 14, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,797.00 (+6.41%) | $698,500 (+30.29%) Land $105,000 Building $593,500 | $698,500 (+30.29%) Land $105,000 Building $593,500 |
| 2024 | $5,448.00 (+22.45%) | ||
| 2023 | $4,449.00 | $536,100 Land $78,900 Building $457,200 | $536,100 Land $78,900 Building $457,200 |
| 2022 | $4,449.00 (+8.67%) | ||
| 2019 | $4,094.00 |
Source: FEMA National Flood Hazard Layer as of October 27, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
Based on FCC filings for 136 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JCSA - CENTRAL SYSTEM serves 57,726 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures