109 Oak Rd, Williamsburg, VA 23185 Property Records

James City County property record for 109 Oak Rd, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,718 sqft · built 1958
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Jul 2024)
Tax Bill	$2,383 (2019)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-2 09-0-0040`

Property Details

APN / Parcel Number

Primary APN	`47-2 09-0-0040`
Alternative APN	`4540`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	3,006 sqft
Basement Area	240 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	30,013 sqft (0.689 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4540
Street Address	109 OAK RD
City	WILLIAMSBURG
State	VA
Zip	23185-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED RESIDENTIAL
Legal Description	L-40 HOLLYBROOK
Legal Subdivision	HOLLYBROOK
Legal Lot Number	40
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1003
Census Tract	80202

Owner

Source: James City County records, as of October 13, 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 Record
Co-owner	Co-owner on Record
Mailing Address	109 OAK RD, WILLIAMSBURG, VA 23185-3224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Warranty Deed, Transfer · VA Mortgage TOWNE MORTGAGE
Dec 11, 2017	Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	202410676
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 25, 2021
Property Address	109 OAK RD, WILLIAMSBURG, VA 23185-3224
Document Number	0210003620
Instrument Date	Feb 23, 2021
Instrument	210003620
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BARRISTERS TITLE & STLMNT

Transaction

Amount	Amount Recorded
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 OAK RD, WILLIAMSBURG, VA 23185-3224

Mortgage

Document Number	0210003621
Date	Feb 25, 2021
Instrument	210003621

Lender

Name	TOWNE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 11, 2017
Property Address	109 OAK RD, WILLIAMSBURG, VA 23185-3224
Document Number	0000023311
Instrument Date	Nov 30, 2017
Instrument	23311
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OAK RD WILLIAMSBURG VA 231853224, WILLIAMSBURG, VA 23185-3224

Mortgage

Document Number	23312
Date	Dec 11, 2017
Instrument	23312

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: James City County assessment roll, as of January 1, 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		$390,700 (+8.26%) Land $73,600 Building $317,100	$390,700 (+8.26%) Land $73,600 Building $317,100
2023		$360,900 Land $73,600 Building $287,300	$360,900 Land $73,600 Building $287,300
2019	$2,383.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2020 · rainfall accumulation

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	0.02% 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures