108 Richards Rd, Williamsburg, VA 23188 Property Records

James City County property record for 108 Richards Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,064 sqft · built 1965
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Sep 2021)
Tax Bill	$2,540 (2022)
Deeds & Mortgages	May 2026 Line of Credit Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-4 08-4-0012`

Property Details

APN / Parcel Number

Primary APN	`38-4 08-4-0012`
Alternative APN	`7404`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	7404
Street Address	108 RICHARDS RD
City	WILLIAMSBURG
State	VA
Zip	23188-2536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	LOT GILLEY SUBDIVISION
Legal Subdivision	INDIGO PARK
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2013
Census Tract	80202

Owner

Source: James City County records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Sep 14, 2021	Warranty Deed, Transfer · VA Mortgage GOPRIME MORTGAGE INC
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Oct 18, 2010 · Amount on Record
Deed Document Number	202118553
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	May 11, 2026
Property Address	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536
Document Number	0000005556
Instrument Date	May 2, 2026
Instrument	20265556
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536

Mortgage

Document Number	0000005556,
Date	May 11, 2026
Instrument	20265556

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.46%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 14, 2021
Property Address	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536
Document Number	210018553
Instrument Date	Sep 8, 2021
Instrument	210018553
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
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	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536

Mortgage

Document Number	210018554
Date	Sep 14, 2021
Instrument	210018554

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	108 RICHARDS RD, WILLIAMSBURG, VA 23188-2536
Document Number	0000008997
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 RICHARDS RD WILLIAMSBURG VA 231882536, WILLIAMSBURG, VA 23188-2536

Mortgage

Document Number	0000008997
Date	Jun 23, 2020
Instrument	8997

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 22, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$344,700 (+12.61%) Land $73,300 Building $271,400	$344,700 (+12.61%) Land $73,300 Building $271,400
2023		$306,100 Land $61,800 Building $244,300	$306,100 Land $61,800 Building $244,300
2022	$2,540.00 (+17.16%)
2019	$2,168.00

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2006)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 2006

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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	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 250 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

Cell Coverage

5G (outdoors only) and 4G LTE

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