109 Richards Rd, Williamsburg, VA 23188 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,162 sqft · built 2019
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,606 (Feb 2019)
Tax Bill	$4,197 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38-4 08-5-0006`

Property Details

APN / Parcel Number

Primary APN	`38-4 08-5-0006`
Alternative APN	`804`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,162 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	581 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	328 sqft
Deck Area	135 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	804
Street Address	109 RICHARDS RD
City	WILLIAMSBURG
State	VA
Zip	23188-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	LOT GILLEY SUBDIVISION
Legal Subdivision	INDIGO PARK
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2011
Census Tract	80202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK OF AMERICA NA
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 15, 2019	Quit Claim Deed, Transfer Quitclaim
Feb 6, 2019	Warranty Deed, Subdivision Related Transfer ATLANTIC BAY MTG
May 15, 2018	Warranty Deed, Transfer · Line of Credit UNION BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2019 · Amount on Record
Deed Sale	Feb 6, 2019 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	20191717
Prior Transfer Date	Feb 5, 2019
Prior Transfer Doc	0000002256
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202300016
Date	Jan 3, 2023
Instrument	202300016

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2052

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210010297
Date	May 19, 2021
Instrument	210010297

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 15, 2019
Property Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0000002256
Instrument Date	Feb 5, 2019
Instrument	2256
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RICHARDS RD WILLIAMSBURG VA 23188, WILLIAMSBURG, VA 23188

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 6, 2019
Property Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0000001717
Instrument Date	Feb 5, 2019
Instrument	1717
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2019

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 RICHARDS RD WILLIAMSBURG VA 23188, WILLIAMSBURG, VA 23188

Mortgage

Document Number	1718
Date	Feb 6, 2019
Instrument	1718

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 15, 2018
Property Address	109 RICHARDS RD, WILLIAMSBURG, VA 23188-2535
Document Number	0000008562
Instrument Date	May 10, 2018
Instrument	8562
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 415 NORGE VA 231270415, NORGE, VA 23127-0415

Mortgage

Document Number	8563
Date	May 15, 2018
Instrument	8563

Lender

Name	UNION BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,197.00 (+45.63%)	$505,700 (+19.52%) Land $70,300 Building $435,400	$505,700 (+19.52%) Land $70,300 Building $435,400
2023		$423,100 Land $59,200 Building $363,900	$423,100 Land $59,200 Building $363,900
2019	$2,882.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1979–2006)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Oct 2006

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 250 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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