James City County property record for 109 Concord, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,973 sqft · built 1994 |
| Lot Size | 0.463 acres (20,168 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $528,000 (Sep 2005) |
| Tax Bill | $4,749 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-1 05-0-0008 |
| Primary APN | 38-1 05-0-0008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,973 sqft Living Area |
| Basement Area | 577 sqft |
| Unfinished Basement | 577 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood Siding |
| Foundation Type | No Foundation |
| Roof Material | Fiberglass |
| Lot Area | 20,168 sqft (0.463 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 15476 |
|---|---|
| Street Address | 109 CONCORD |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-7888 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-8 S-13D FORDS COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 8 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 80208 |
Source: James City County records, as of May 7, 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 | 109 CONCORD, WILLIAMSBURG, VA 23188-7888 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2005 · Amount on Record |
| Deed Sale | Sep 2, 2005 · Amount on Record |
| Deed Document Number | 2005500020926 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 109 CONCORD, WILLIAMSBURG, VA 23188-7888 |
| Document Number | 0000014224 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000014224 |
|---|---|
| Date | Sep 6, 2018 |
| Instrument | 14224 |
| Name | STATE FARM BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 5, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,749.00 (+6.41%) | $572,200 (+16.32%) Land $106,900 Building $465,300 | $572,200 (+16.32%) Land $106,900 Building $465,300 |
| 2024 | $4,463.00 (+9.33%) | ||
| 2023 | $4,082.00 | $491,900 Land $78,900 Building $413,000 | $491,900 Land $78,900 Building $413,000 |
| 2022 | $4,082.00 (+8.51%) | ||
| 2019 | $3,762.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 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.
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 | 0.03% 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 179 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 |
5G (outdoors only) and 4G LTE
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