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109 Cedar Rock, Williamsburg, VA 23188 Property Records

James City County property record for 109 Cedar Rock, Williamsburg, VA 23188

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,710 sqft · built 2001
Lot Size0.295 acres (12,850 sqft)
Owner2 Company Names on Record
Last Sale$690,000 (Mar 2025)
Tax Bill$4,760 (2025)
Deeds & MortgagesMay 2026 Sale
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN37-2 07-0-0049

Property Details

APN / Parcel Number

Primary APN37-2 07-0-0049
Alternative APN
  • 13388

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,710 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialWood Siding
Foundation TypeNo Foundation
Roof MaterialComposition Shingle
Lot Area12,850 sqft (0.295 acres)
Garage TypeDetached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area224 sqft
Deck Area435 sqft
Patio Area435 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number13388
Street Address109 CEDAR ROCK
CityWILLIAMSBURG
StateVA
Zip23188-9216
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4 RESIDEN
Legal DescriptionL-49 S-9B FORDS COLONY
Legal SubdivisionFORDS COLONY
Legal Lot Number49
JurisdictionJAMES CITY VA
Township / Civil DivisionJAMESTOWN
Census Block Group2
Census Block2006
Census Tract80208

Owner

Source: James City County records, as of July 7, 2026

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

Owner of Record2 Company Names on Record
Mailing Address109 CEDAR ROCK, WILLIAMSBURG, VA 23188-9216
Owner TypeCompany
VestingTrust, Revocable Living Trust

Deeds, Mortgages & Sale History

DateDocument
May 26, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Feb 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
SIGNATURE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 17, 2025 · Amount on Record
Deed SaleMar 17, 2025 · Amount on Record
Prior SaleSep 23, 2024 · Amount on Record
Deed Document Number20253725
Last Transfer DateMay 21, 2026
Transfer Doc0000006378
Record UpdatedSep 20, 2026

May 2026: Deed, Transfer

Document TypeDeed
JurisdictionJAMES CITY VA
Recording DateMay 26, 2026
Property Address109 CEDAR ROCK, WILLIAMSBURG, VA 23188-9216
Document Number0000006378
Instrument DateMay 21, 2026
Instrument20266378
Transaction TypeTransfer
Record UpdatedAug 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address109 CEDAR ROCK, WILLIAMSBURG, VA 23188-9216

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address109 CEDAR ROCK, WILLIAMSBURG, VA 23188-9216
Transaction TypeMortgage
Record UpdatedDec 23, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210003259
DateFeb 19, 2021
Instrument210003259
Lender
NameSIGNATURE FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term177 Months
DueNov 16, 2035
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: James City County assessment roll, as of October 14, 2025

Property Jurisdictions

TypeName
StateVirginia
CountyJames City County
Unified School DistrictJames City County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,760.00 (+6.42%)$573,500 (+21.79%) Land $104,000 Building $469,500$573,500 (+21.79%) Land $104,000 Building $469,500
2024$4,473.00 (+14.46%)
2023$3,908.00$470,900 Land $78,900 Building $392,000$470,900 Land $78,900 Building $392,000
2022$3,908.00 (+8.4%)
2019$3,605.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 28 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies28 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 RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemJCSA - CENTRAL SYSTEM
serves 57,726 people · EPA ID VA3095490
Water SourceGroundwater
Last State InspectionNov 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 221 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Glo Fiber
Fiber		8,000 / 8,000
Cox Communications
Cable		2,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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