109 N Cove Rd, Williamsburg, VA 23188 Property Records

James City County property record for 109 N Cove Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,949 sqft · built 2022
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Apr 2026)
Tax Bill	$5,771 (2025)
Deeds & Mortgages	Dec 2024 Second Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-2 03-0-0013`

Property Details

APN / Parcel Number

Primary APN	`25-2 03-0-0013`
Alternative APN	`9074`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,949 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	27 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	9074
Street Address	109 N COVE RD
City	WILLIAMSBURG
State	VA
Zip	23188-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-13 S-2 NORTH COVE
Legal Subdivision	NORTH COVE
Legal Lot Number	13
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2011
Census Tract	80404

Owner

Source: James City County records, as of August 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAYPORT CREDIT UNION
Apr 29, 2026	Deed, Transfer · VA Mortgage USAA FSB
Apr 29, 2026	Deed, Transfer · VA Mortgage USAA FSB
Jul 28, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC
Oct 14, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Jul 28, 2022 · Amount on Record
Deed Document Number	20265111
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202415673
Date	Dec 3, 2024
Instrument	202415673

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2039

Interest

Rate Type	Fixed Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 29, 2026
Property Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Document Number	0000005111
Instrument Date	Apr 20, 2026
Instrument	2026.5111
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,225.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324

Mortgage

Document Number	0000005112,
Date	Apr 29, 2026
Instrument	2026..5112

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 29, 2026
Property Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Document Number	0202605111
Instrument Date	Apr 20, 2026
Instrument	20265111
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,225.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324

Mortgage

Document Number	0000005112,
Date	Apr 29, 2026
Instrument	20265112

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 28, 2022
Property Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Document Number	0202211626
Instrument Date	Jul 22, 2022
Instrument	202211626
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	AMERICAN HOME TITLE

Transaction

Amount	Amount Recorded
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 N COVE RD, WILLIAMSBURG, VA 23188-9324

Mortgage

Document Number	0202211627
Date	Jul 28, 2022
Instrument	202211627

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 14, 2021
Property Address	109 N COVE RD, WILLIAMSBURG, VA 23188-9324
Document Number	0210020378
Instrument Date	Oct 7, 2021
Instrument	210020378
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
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	334 REDOUBT RD, YORKTOWN, VA 23692-4874

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,771.00 (+65.5%)	$695,400 (+40.06%) Land $122,900 Building $572,500	$695,400 (+40.06%) Land $122,900 Building $572,500
2023		$496,500 Land $77,500 Building $419,000	$496,500 Land $77,500 Building $419,000
2022	$3,487.00 (+466.99%)
2019	$615.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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