James City County property record for 109 Gullane, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,407 sqft · built 2023 |
| Lot Size | 0.535 acres (23,305 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Oct 2022) |
| Tax Bill | $4,667 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Oct 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-1 02-0-0196 |
| Primary APN | 37-1 02-0-0196 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,407 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 23,305 sqft (0.535 acres) |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 165 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11644 |
|---|---|
| Street Address | 109 GULLANE |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-7438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDENTIAL PLANNED CO |
| Legal Description | L-196 S-2 FORD'S COLONY |
| Legal Subdivision | FORDS COLONY |
| Legal Lot Number | 196 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | POWHATAN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 80207 |
Source: James City County records · APN 37-1 02-0-0196
Assessment roll updated January 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 109 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · ARM CITIZENS BANK |
| Oct 13, 2022 | Warranty Deed, Transfer SOUTHEAST SETTLEMENT AND TITLE, SOUTHEAST SETTLEMENT & TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on Record |
| Deed Sale | Oct 13, 2022 · Amount on Record |
| Deed Document Number | 202214752 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 109 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202301700 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 202301700 |
| Name | CITIZENS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2033 |
| Change Frequency | 6 Months |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Oct 13, 2022 |
| Property Address | 109 GULLANE, WILLIAMSBURG, VA 23188-7438 |
| Document Number | 0202214752 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 202214752 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Title Company | SOUTHEAST SETTLEMENT AND TITLE, SOUTHEAST SETTLEMENT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 296 ALAMO DR, PITTSBURGH, PA 15241-1704 |
Source: James City County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,667.00 (+6.41%) | $562,400 (+260.51%) Land $108,900 Building $453,500 | $562,400 (+260.51%) Land $108,900 Building $453,500 |
| 2024 | $4,386.00 (+378.82%) | ||
| 2023 | $916.00 (+21.32%) | $156,000 Land $91,000 Building $65,000 | $156,000 Land $91,000 Building $65,000 |
| 2022 | $755.00 |
Source: FEMA National Flood Hazard Layer as of October 27, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 32 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JCSA - CENTRAL SYSTEM serves 57,726 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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