140 Pebble Bch, Williamsburg, VA 23188 Property Records

James City County property record for 140 Pebble Bch, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,508 sqft · built 2018
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$98,000 (Dec 2015)
Tax Bill	$6,462 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`38-1 10-0-0027`

Property Details

APN / Parcel Number

Primary APN	`38-1 10-0-0027`
Alternative APN	`17798`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,508 sqft Living Area

Exterior

Year Built	Built 2018
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Attached
Garage Area	642 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	878 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17798
Street Address	140 PEBBLE BCH
City	WILLIAMSBURG
State	VA
Zip	23188-8904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-27 S-9A FORDS COLONY
Legal Subdivision	FORDS COLONY
Legal Lot Number	27
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2000
Census Tract	80209

Owner

140 Pebble Bch is owned and occupied by two individuals who bought it in December 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	140 PEBBLE BCH, WILLIAMSBURG, VA 23188-8904
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
Nov 24, 2020	Deed of Trust, Mortgage MORTGAGE NTWK
Jun 1, 2017	Trustee's Deed, Construction Loan · Line of Credit TOWNEBANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2015 · Amount on File
Deed Sale	Dec 22, 2015 · Amount on File
Deed Document Number	150024735
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	140 PEBBLE BCH, WILLIAMSBURG, VA 23188-8904
Document Number	0000020754
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 PEBBLE BCH WILLIAMSBURG VA 231888904, WILLIAMSBURG, VA 23188-8904

Mortgage

Document Number	0000020754
Date	Dec 1, 2020
Instrument	20754

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2050

Interest

Rate Type	Fixed Rate

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jun 1, 2017
Property Address	140 PEBBLE BCH, WILLIAMSBURG, VA 23188-8904
Instrument Date	May 31, 2017
Instrument	11448
Transaction Type	Construction Loan
Record Updated	Jun 16, 2017
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 PEBBLE BCH WILLIAMSBURG VA 231888904, WILLIAMSBURG, VA 23188-8904

Mortgage

Document Number	0000011448
Date	Jun 1, 2017
Instrument	11448

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 140 Pebble Bch was $6,462, 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	$6,462.00 (+6.41%)	$778,600 Land $111,800 Building $666,800	$778,600 Land $111,800 Building $666,800
2024	$6,073.00 (+17.13%)
2023	$5,185.00	$624,700 Land $98,600 Building $526,100	$624,700 Land $98,600 Building $526,100
2022	$5,185.00
2019	$4,776.00

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

Flood

FEMA maps place 140 Pebble Bch 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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 140 Pebble Bch 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 (outdoors only) and 4G LTE

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