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120 Reflection Dr, Williamsburg, VA 23188 Property Records

James City County property record for 120 Reflection Dr, Williamsburg, VA 23188 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,946 sqft · built 1989
Lot Size1.64 acres (71,700 sqft)
OwnerOwner Name on File
Tax Bill$2,231 (2019)
Deeds & MortgagesSep 2021 Mortgage
May 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN13-4 04-0-0007

Property Details

APN / Parcel Number

Primary APN13-4 04-0-0007
Alternative APN
  • 8295

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area1,946 sqft Living Area
Gross Area3,892 sqft
Basement Area1,946 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Exterior MaterialWood Siding
Roof MaterialFiberglass
Lot Area71,700 sqft (1.64 acres)
Deck Area660 sqft
Patio Area660 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Account Number8295
Street Address120 REFLECTION DR
CityWILLIAMSBURG
StateVA
Zip23188-7021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL-7 S-1 MIRROR LAKE EST
Legal SubdivisionMIRROR LAKES ESTATES
Legal Lot Number7
JurisdictionJAMES CITY VA
Township / Civil DivisionSTONEHOUSE
Census Block Group1
Census Block1023
Census Tract80402

Owner

Source: James City County records · APN 13-4 04-0-0007

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of RecordOwner Name on File
Mailing Address120 REFLECTION DR, WILLIAMSBURG, VA 23188-7021
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
May 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Mar 30, 2018Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateNov 14, 2006
Transfer Doc0000027716
Record UpdatedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address120 REFLECTION DR, WILLIAMSBURG, VA 23188-7021
Transaction TypeMortgage
Record UpdatedOct 13, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number210019150
DateSep 23, 2021
Instrument210019150
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051
Interest
Rate TypeFixed Rate

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address120 REFLECTION DR, WILLIAMSBURG, VA 23188-7021
Document Number0000006329
Instrument DateMay 01, 2020
Transaction TypeMortgage
Record UpdatedJun 09, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 REFLECTION DR WILLIAMSBURG VA 231887021, WILLIAMSBURG, VA 23188-7021

Mortgage

Document Number0000006329
DateMay 07, 2020
Instrument6329
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 06, 2050
Interest
Rate TypeFixed Rate

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address120 REFLECTION DR, WILLIAMSBURG, VA 23188-7021
Document Number0000006515
Instrument DateMar 30, 2018
Transaction TypeMortgage
Record UpdatedApr 18, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000006515
DateApr 05, 2018
Instrument6515
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 04, 2048
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateVirginia
CountyJames City County
Unified School DistrictJames City County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$423,300 (+26.51%) Land $60,800 Building $362,500$423,300 (+26.51%) Land $60,800 Building $362,500
2023$334,600 Land $55,500 Building $279,100$334,600 Land $55,500 Building $279,100
2019$2,231.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510950804021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2006)
Most Recent ClaimOct 2006, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 7,143 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 126 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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