108 Sandy Point Rdg, Williamsburg, VA 23188 Property Records

James City County property record for 108 Sandy Point Rdg, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,507 sqft · built 2003
Lot Size	0.504 acres (21,954 sqft)
Owner	Company Name on Record
Last Sale	$455,000 (Nov 2019)
Tax Bill	$4,506 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-4 08-0-0003`

Property Details

APN / Parcel Number

Primary APN	`37-4 08-0-0003`
Alternative APN	`3681`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,507 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	21,954 sqft (0.504 acres)
Garage Type	Attached
Garage Area	665 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	337 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3681
Street Address	108 SANDY POINT RDG
City	WILLIAMSBURG
State	VA
Zip	23188-8005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-3 P-5A POWHATAN SECONDARY
Legal Subdivision	POWHATAN SECONDARY
Legal Lot Number	3
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2001
Census Tract	80307

Owner

Source: James City County records, as of August 25, 2026

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

Owner of Record	Company Name on Record
Mailing Address	108 SANDY POINT RDG, WILLIAMSBURG, VA 23188-8005
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 14, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Nov 25, 2019	Warranty Deed, Transfer · Conventional with PMI ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Jul 31, 2002 · Amount on Record
Deed Document Number	201917523
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	108 SANDY POINT RDG, WILLIAMSBURG, VA 23188-8005
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202517276
Date	Dec 17, 2025
Instrument	202517276

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	108 SANDY POINT RDG, WILLIAMSBURG, VA 23188-8005
Document Number	0000017530
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SANDY POINT RDG WILLIAMSBURG VA 231888005, WILLIAMSBURG, VA 23188-8005

Mortgage

Document Number	0000017530
Date	Oct 16, 2020
Instrument	17530

Lender

Name	PENNYMAC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 25, 2019
Property Address	108 SANDY POINT RDG, WILLIAMSBURG, VA 23188-8005
Document Number	0000017523
Instrument Date	Nov 15, 2019
Instrument	17523
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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 SANDY POINT RDG WILLIAMSBURG VA 231888005, WILLIAMSBURG, VA 23188-8005

Mortgage

Document Number	17524
Date	Nov 25, 2019
Instrument	17524

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

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	$4,506.00 (+26.18%)	$542,900 (+22.72%) Land $112,500 Building $430,400	$542,900 (+22.72%) Land $112,500 Building $430,400
2023		$442,400 Land $85,000 Building $357,400	$442,400 Land $85,000 Building $357,400
2019	$3,571.00

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	7 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

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	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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Glo Fiber.

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