115 Oak Rd, Williamsburg, VA 23185 Property Records

James City County property record for 115 Oak Rd, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,914 sqft · built 1959
Lot Size	0.918 acres (39,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Sep 2017)
Tax Bill	$3,174 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-2 09-0-0038`

Property Details

APN / Parcel Number

Primary APN	`47-2 09-0-0038`
Alternative APN	`1169`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,914 sqft Living Area
Basement Area	826 sqft
Unfinished Basement	826 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	39,988 sqft (0.918 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	204 sqft
Patio Area	204 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	1169
Street Address	115 OAK RD
City	WILLIAMSBURG
State	VA
Zip	23185-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-38 HOLLYBROOK
Legal Subdivision	HOLLYBROOK
Legal Lot Number	38
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 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	115 OAK RD, WILLIAMSBURG, VA 23185-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MTG
Sep 1, 2017	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Prior Sale	Aug 30, 2006 · Amount on Record
Deed Document Number	201717461
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	115 OAK RD, WILLIAMSBURG, VA 23185-3225
Document Number	0000011992
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 OAK RD WILLIAMSBURG VA 231853225, WILLIAMSBURG, VA 23185-3225

Mortgage

Document Number	0000011992
Date	Aug 6, 2020
Instrument	11992

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 1, 2017
Property Address	115 OAK RD, WILLIAMSBURG, VA 23185-3225
Document Number	0000017461
Instrument Date	Aug 21, 2017
Instrument	17461
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	115 OAK RD WILLIAMSBURG VA 231853225, WILLIAMSBURG, VA 23185-3225

Mortgage

Document Number	17462
Date	Sep 1, 2017
Instrument	17462

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

Interest

Rate Type	Fixed 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	$3,174.00 (+24.81%)	$382,500 (+9.1%) Land $80,000 Building $302,500	$382,500 (+9.1%) Land $80,000 Building $302,500
2023		$350,600 Land $80,000 Building $270,600	$350,600 Land $80,000 Building $270,600
2019	$2,543.00

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

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