123 Formby, Williamsburg, VA 23188 Property Records

James City County property record for 123 Formby, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,739 sqft · built 1999
Lot Size	0.464 acres (20,255 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (May 2020)
Tax Bill	$7,750 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-2 03-0-0249`

Property Details

APN / Parcel Number

Primary APN	`37-2 03-0-0249`
Alternative APN	`17722`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,739 sqft Living Area
Basement Area	1,415 sqft
Finished Basement	1,415 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	20,255 sqft (0.464 acres)
Garage Type	Attached
Garage Area	731 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	298 sqft
Deck Area	440 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17722
Street Address	123 FORMBY
City	WILLIAMSBURG
State	VA
Zip	23188-9198
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-249 S-6 FORD'S COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	249
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2001
Census Tract	80208

Owner

123 Formby is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	123 FORMBY, WILLIAMSBURG, VA 23188-9198
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

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 3, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
May 12, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2020 · Amount on File
Deed Sale	May 12, 2020 · Amount on File
Deed Document Number	200006638
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	123 FORMBY, WILLIAMSBURG, VA 23188-9198
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 FORMBY, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	0202601733
Date	Feb 12, 2026
Instrument	202601733

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	123 FORMBY, WILLIAMSBURG, VA 23188-9198
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210023761
Date	Dec 3, 2021
Instrument	210023761

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 12, 2020
Property Address	123 FORMBY, WILLIAMSBURG, VA 23188-9198
Document Number	0000006638
Instrument Date	Apr 22, 2020
Instrument	6638
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 FORMBY WILLIAMSBURG VA 231889198, WILLIAMSBURG, VA 23188-9198

Mortgage

Document Number	6639
Date	May 12, 2020
Instrument	6639

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 123 Formby was $7,750, 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	$7,750.00 (+6.41%)	$933,800 Land $220,000 Building $713,800	$933,800 Land $220,000 Building $713,800
2024	$7,283.00 (+26.31%)
2023	$5,766.00	$694,800 Land $133,800 Building $561,000	$694,800 Land $133,800 Building $561,000
2022	$5,766.00
2019	$6,499.00

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

Flood

FEMA maps place 123 Formby in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 123 Formby 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 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 179 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)

Nearby Properties on Formby

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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