117 Stowe, Williamsburg, VA 23188 Property Records

James City County property record for 117 Stowe, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,845 sqft · built 2016
Lot Size	0.523 acres (22,825 sqft)
Owner	Individual Name on File
Last Sale	$887,500 (Jul 2025)
Tax Bill	$5,266 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-2 06-0-0044`

Property Details

APN / Parcel Number

Primary APN	`37-2 06-0-0044`
Alternative APN	`22175`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,845 sqft Living Area

Exterior

Year Built	Built 2016
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	22,825 sqft (0.523 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	339 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	22175
Street Address	117 STOWE
City	WILLIAMSBURG
State	VA
Zip	23188-8911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-44 S-13B FORDS COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	44 S
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2006
Census Tract	80208

Owner

117 Stowe is owned and occupied by an individual who bought it in July 2025.

Source: James City County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	117 STOWE, WILLIAMSBURG, VA 23188-8911
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2025 · Amount on File
Deed Sale	Jul 18, 2025 · Amount on File
Prior Sale	Aug 18, 2016 · Amount on File
Deed Document Number	202509982
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	117 STOWE, WILLIAMSBURG, VA 23188-8911
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210013654
Date	Jul 6, 2021
Instrument	210013654

Lender

Name	FULTON BANK NA

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 117 Stowe was $5,266, up 6.4% from the year before.

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	$5,266.00 (+6.41%)	$634,500 Land $175,600 Building $458,900	$634,500 Land $175,600 Building $458,900
2024	$4,949.00 (+9.81%)
2023	$4,507.00	$543,100 Land $174,600 Building $368,500	$543,100 Land $174,600 Building $368,500
2022	$4,507.00
2019	$4,424.00

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

Flood

FEMA maps place 117 Stowe in Zone X, an area of minimal flood risk.

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 File median of 28 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	28 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

Wildfire risk around 117 Stowe 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 93% of the US · lower than 95% 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 221 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

Cell Coverage

5G and 4G LTE (outdoors only)

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