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15 Ensign Spence, Williamsburg, VA 23185 Property Records

James City County property record for 15 Ensign Spence, Williamsburg, VA 23185 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1976
Square Footage2,694 sqft Living Area
Lot Size17,163 sqft (0.394 acres)
OccupancyOwner Occupied
Last Sale$576,000 (2022)
Tax Bill$4,271.00 (2022)

Property Details

APN / Parcel Number

Primary APN50-2 11-0-0063
Alternative APN
  • 5932

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms8 Rooms
Building Area2,694 sqft Living Area
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Exterior MaterialWood Siding Exterior
Foundation TypeNo Foundation Foundation
Roof MaterialComposition Shingle Roof
Lot Area17,163 sqft (0.394 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area720 sqft Garage
Porch Area312 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
SewageMunicipal Sewage

Location & Zoning

Account Number5932
Street Address15 ENSIGN SPENCE
CityWILLIAMSBURG
StateVA
Zip23185-5559
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionL-63 HAMPTON KEY
Legal SubdivisionKINGSMILL
Legal Lot Number63
JurisdictionJAMES CITY VA
Minor Civil DivisionROBERTS
Census Blockgroup1
Census Block1019
Census Tract80103

Owner

Source: James City County records · APN 50-2 11-0-0063

Assessment roll updated October 14, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2025Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Oct 24, 2022Warranty Deed, Transfer · Conventional Mortgage
TOWNEBANK MORTGAGE
Sep 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
E MTG MGMT
Sep 25, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 24, 2022 · Amount on Record
Deed SaleOct 24, 2022 · Amount on Record
Prior SaleSep 25, 2020
Deed Doc Number202215368
Last Transfer DateAug 09, 2024
Transfer Doc0202411508
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559
Transaction TypeMortgage
Record UpdatedNov 06, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559

Mortgage

Document Number0202514802
DateOct 20, 2025
Instrument202514802
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055
Interest
Rate TypeAdjustable Rate
Rate6%
Type Change DateNov 01, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change11%
IndexSOFR Average 30-Day
Max Rate11%

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateOct 24, 2022
Property Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559
Document Number0202215368
Instrument DateOct 18, 2022
Instrument202215368
Transaction TypeTransfer
Record UpdatedNov 09, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559

Mortgage

Document Number0202215369
DateOct 24, 2022
Instrument202215369
Lender
NameTOWNEBANK MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559
Document Number0000016240
Instrument DateSep 21, 2020
Transaction TypeMortgage
Record UpdatedOct 27, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 ENSIGN SPENCE WILLIAMSBURG VA 231855559, WILLIAMSBURG, VA 23185-5559

Mortgage

Document Number0000016240
DateSep 25, 2020
Instrument16240
Lender
NameE MTG MGMT
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 24, 2050
Interest
Rate TypeFixed Rate

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJAMES CITY VA
Recording DateSep 25, 2020
Property Address15 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5559
Document Number0000016239
Instrument DateSep 21, 2020
Instrument16239
Transaction TypeTransfer
Record UpdatedOct 27, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 ENSIGN SPENCE WILLIAMSBURG VA 231855559, WILLIAMSBURG, VA 23185-5559

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated October 14, 2025 · Last verified April 2026

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$532,800 (+3.54%) Land $139,900 Building $392,900$532,800 (+3.54%) Land $139,900 Building $392,900
2023$514,600 Land $133,200 Building $381,400$514,600 Land $133,200 Building $381,400
2022$4,271.00 (+20.65%)
2019$3,540.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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