124 Formby, Williamsburg, VA 23188 Property Records

James City County property record for 124 Formby, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,492 sqft · built 2001
Lot Size	0.589 acres (25,657 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,025,000 (Oct 2025)
Tax Bill	$6,756 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-2 03-0-0247`

Property Details

APN / Parcel Number

Primary APN	`37-2 03-0-0247`
Alternative APN	`10137`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,492 sqft Living Area
Basement Area	441 sqft
Finished Basement	360 sqft
Unfinished Basement	81 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	25,657 sqft (0.589 acres)
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	178 sqft
Deck Area	254 sqft
Patio Area	254 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10137
Street Address	124 FORMBY
City	WILLIAMSBURG
State	VA
Zip	23188-9197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-247 S-6 FORD'S COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	247
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2001
Census Tract	80208

Owner

Source: James City County records, as of April 1, 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	124 FORMBY, WILLIAMSBURG, VA 23188-9197
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Aug 3, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage NEW AMERICAN FUNDING LLC
Dec 23, 2020	Grant Deed, Transfer · Conventional Mortgage LUXURY MTG CORP
May 17, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Aug 3, 2023
Deed Document Number	202514943
Prior Transfer Date	Jul 28, 2023
Prior Transfer Doc	0202308151
Record Updated	Sep 20, 2026

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 22, 2025
Property Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197
Document Number	0202514943
Map Reference	MB 47 PG 59-64
Instrument Date	Sep 19, 2025
Instrument	202514943
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197

Mortgage

Document Number	0202514944
Date	Oct 22, 2025
Instrument	202514944

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Aug 3, 2023
Property Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197
Document Number	0202308151
Instrument Date	Jul 28, 2023
Instrument	202308151
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197

Mortgage

Document Number	0202308152
Date	Aug 3, 2023
Instrument	202308152

Lender

Name	NEW AMERICAN FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.75%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 23, 2020
Property Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197
Document Number	0000022403
Instrument Date	Nov 16, 2020
Instrument	22403
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$705.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 FORMBY WILLIAMSBURG VA 231889197, WILLIAMSBURG, VA 23188-9197

Mortgage

Document Number	22404
Date	Dec 23, 2020
Instrument	22404

Lender

Name	LUXURY MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2050

Interest

Rate Type	Fixed Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 17, 2018
Property Address	124 FORMBY, WILLIAMSBURG, VA 23188-9197
Document Number	0000008678
Instrument Date	Apr 13, 2018
Instrument	8678
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 FORMBY WILLIAMSBURG VA 231889197, WILLIAMSBURG, VA 23188-9197

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	$6,756.00 (+6.41%)	$814,000 (+11.35%) Land $186,000 Building $628,000	$814,000 (+11.35%) Land $186,000 Building $628,000
2024	$6,349.00 (+4.65%)
2023	$6,067.00	$731,000 (-) Land $160,500 Building $570,500	$731,000 (-) Land $160,500 Building $570,500
2022	$6,067.00 (+10.85%)	$731,000 Land $160,500 Building $570,500	$731,000 Land $160,500 Building $570,500
2019	$5,473.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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)

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