109 Lorac Ct, Williamsburg, VA 23185 Property Records

York County property record for 109 Lorac Ct, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,149 sqft · built 1966
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on File
Last Sale	$247,500 (Jun 2017)
Tax Bill	$3,551 (2025)
Deeds & Mortgages	Jan 2023 Transfer Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D15B-3443-3793`

Property Details

APN / Parcel Number

Primary APN	`D15B-3443-3793`
Alternative APNs	`10001633` `1737`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,149 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Shingle
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Attached
Garage Area	239 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	441 sqft
Deck Area	321 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	10001633
Street Address	109 LORAC CT
City	WILLIAMSBURG
State	VA
Zip	23185-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIGH DENSI
Legal Description	GREEN ACRES SEC 1 LOT 7
Legal Subdivision	GREEN ACRES
Legal Lot Number	7
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	3
Census Block	3031
Census Tract	51000

Owner

109 Lorac Ct is owned and occupied by an individual who acquired it in November 2022.

Source: York County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Intrafamily Transfer, Transfer
Oct 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL CENTER LLC
Jun 14, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2017 · Amount on File
Deed Sale	Jun 14, 2017 · Amount on File
Deed Document Number	201710574
Last Transfer Date	Nov 9, 2022
Transfer Doc	0000001373
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YORK VA
Recording Date	Jan 31, 2023
Property Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938
Document Number	0000001373
Instrument Date	Nov 9, 2022
Instrument	230001373
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017192
Date	Oct 8, 2020
Instrument	200017192

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Jun 14, 2017
Property Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938
Document Number	0000010574
Instrument Date	Jun 5, 2017
Instrument	170010574
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LORAC CT, WILLIAMSBURG, VA 23185-2938

Mortgage

Document Number	0000010575
Date	Jun 14, 2017
Instrument	170010575

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 109 Lorac Ct was $3,551.

Source: York County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	York County
Unified School District	York County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,300 Land $97,000 Building $358,300
2025	$3,551.00		$455,300 Land $97,000 Building $358,300
2023	$2,399.00	$311,600 Land $92,000 Building $219,600	$311,600 Land $92,000 Building $219,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Lorac Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective October 26, 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 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2003–2006)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding

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

Wildfire risk around 109 Lorac Ct is low, with a 0.02% 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	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WILLIAMSBURG serves 16,300 people · EPA ID VA3830850
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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