James City County property record for 109 Chestnut Dr, Williamsburg, VA 23185
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,168 sqft · built 1960 |
| Lot Size | 0.424 acres (18,469 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $102,000 (May 2000) |
| Tax Bill | $2,292 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jul 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-1 07-0-0022 |
| Primary APN | 48-1 07-0-0022 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,168 sqft Living Area |
| Basement Area | 608 sqft |
| Finished Basement | 608 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Brick |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 18,469 sqft (0.424 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 17047 |
|---|---|
| Street Address | 109 CHESTNUT DR |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23185-3707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 GENERAL |
| Legal Description | L-22 S-B BIRCHWOOD PARK |
| Legal Subdivision | BIRCHWOOD PARK AND MARLBORO |
| Legal Lot Number | 22 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | ROBERTS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 80203 |
109 Chestnut Dr is owned and occupied by two individuals who bought it in May 2000.
Source: James City County records, as of May 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 CHESTNUT DR, WILLIAMSBURG, VA 23185-3707 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC |
| Jul 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2000 · Amount on File |
| Deed Sale | May 9, 2000 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 109 CHESTNUT DR, WILLIAMSBURG, VA 23185-3707 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202309007 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 202309007 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 109 CHESTNUT DR, WILLIAMSBURG, VA 23185-3707 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 CHESTNUT DR, WILLIAMSBURG, VA 23185-3707 |
| Document Number | 0202509972 |
|---|---|
| Date | Jul 18, 2025 |
| Instrument | 202509972 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jun 1, 2045 |
The 2025 property tax bill for 109 Chestnut Dr was $2,292, 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 | $2,292.00 (+6.41%) | $276,200 Land $75,900 Building $200,300 | $276,200 Land $75,900 Building $200,300 |
| 2024 | $2,154.00 (+19.34%) | ||
| 2023 | $1,805.00 | $217,500 Land $60,000 Building $157,500 | $217,500 Land $60,000 Building $157,500 |
| 2022 | $1,805.00 | ||
| 2019 | $1,599.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Chestnut Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
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 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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 109 Chestnut Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 268 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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