James City County property record for 108 Mid Ocean, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,699 sqft · built 2005 |
| Lot Size | 0.612 acres (26,659 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $662,500 (Sep 2012) |
| Tax Bill | $7,984 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Nov 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-2 04-0-0024 |
| Primary APN | 36-2 04-0-0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 4,699 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 26,659 sqft (0.612 acres) |
| Garage Type | Attached |
| Garage Area | 656 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 506 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10346 |
|---|---|
| Street Address | 108 MID OCEAN |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-8414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-24 S-3B FORD'S COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 24 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | POWHATAN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 80207 |
108 Mid Ocean is owner-occupied and held in a trust since October 2024.
Source: James City County records, as of April 22, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 108 MID OCEAN, WILLIAMSBURG, VA 23188-8414 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST ADVANTAGE FEDERAL CREDIT UNION |
| Nov 25, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST ADVANTAGE FCU |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2012 · Amount on File |
| Deed Sale | Sep 25, 2012 · Amount on File |
| Deed Book / Page | 1200 / 20108 |
| Last Transfer Date | Oct 1, 2024 |
| Transfer Doc | 0202413226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Apr 7, 2026 |
| Property Address | 108 MID OCEAN, WILLIAMSBURG, VA 23188-8414 |
| Document Number | 0000003954 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20263954 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Document Number | 0000003954, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20263954 |
| Name | FIRST ADVANTAGE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 27, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 MID OCEAN, WILLIAMSBURG, VA 23188-8414 |
| Document Number | 0000000170 |
| Instrument Date | Nov 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 108 MID OCEAN WILLIAMSBURG VA 231888414, WILLIAMSBURG, VA 23188-8414 |
| Document Number | 0000000170 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 170 |
| Name | FIRST ADVANTAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 108 MID OCEAN, WILLIAMSBURG, VA 23188-8414 |
| Document Number | 0000014835 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 108 MID OCEAN WILLIAMSBURG VA 231888414, WILLIAMSBURG, VA 23188-8414 |
| Document Number | 0000014835 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 14835 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 108 Mid Ocean was $7,984, 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 | $7,984.00 (+6.41%) | $962,000 Land $133,000 Building $829,000 | $962,000 Land $133,000 Building $829,000 |
| 2024 | $7,503.00 (+25.78%) | ||
| 2023 | $5,965.00 | $718,700 Land $98,600 Building $620,100 | $718,700 Land $98,600 Building $620,100 |
| 2022 | $5,965.00 | ||
| 2019 | $5,481.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Mid Ocean in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
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 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
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 Mid Ocean 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 67% of the US · above 54% 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.
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 78 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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