108 Lothian, Williamsburg, VA 23188 Property Records

James City County property record for 108 Lothian, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Lot Size	0.464 acres (20,212 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Jul 2021)
Tax Bill	$954 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-1 03-0-0094`

Property Details

APN / Parcel Number

Primary APN	`38-1 03-0-0094`
Alternative APN	`7085`

Exterior

Lot Area	20,212 sqft (0.464 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	7085
Street Address	108 LOTHIAN
City	WILLIAMSBURG
State	VA
Zip	23188-9141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-94 S-6 FORD'S COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	94
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2000
Census Tract	80209

Owner

108 Lothian is owned by two individuals who bought it in July 2021.

Source: James City County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1315 JAMESTOWN RD, 101, WILLIAMSBURG, VA 23185-3363
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 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
Mar 10, 2025	Deed of Trust, Mortgage · Unknown CHESAPEAKE BANK
Jul 6, 2021	Warranty Deed, Transfer · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Deed Document Number	202113582
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Aug 31, 2026
Property Address	108 LOTHIAN, WILLIAMSBURG, VA 23188-9141
Document Number	0000011196
Instrument Date	Aug 28, 2026
Instrument	202611196
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 WALTON HEATH, WILLIAMSBURG, VA 23188-9166

Mortgage

Document Number	0000011196,
Date	Aug 31, 2026
Instrument	202611196

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.39%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	108 LOTHIAN, WILLIAMSBURG, VA 23188-9141
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202503329
Date	Mar 10, 2025
Instrument	202503329

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 6, 2021
Property Address	108 LOTHIAN, WILLIAMSBURG, VA 23188-9141
Document Number	0210013582
Instrument Date	Jun 25, 2021
Instrument	210013582
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	UNKNOWN, GODSPEED TITLE & ESCROW LLC

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	1315 JAMESTOWN RD STE 101, 101, WILLIAMSBURG, VA 23185-3363

Mortgage

Document Number	0210013583
Date	Jul 6, 2021
Instrument	210013583

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 108 Lothian was $954.

Source: James City County assessment roll, as of October 14, 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	$954.00	$115,000 Land $80,000 Building $35,000	$115,000 Land $80,000 Building $35,000
2023		$98,600 Land $98,600	$98,600 Land $98,600
2019	$828.00

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

Flood

FEMA maps place 108 Lothian in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
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

Wildfire risk around 108 Lothian is low, with a 0.03% 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	0.03% 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	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

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 136 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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