1548 Harbor Rd, Williamsburg, VA 23185 Property Records

James City County property record for 1548 Harbor Rd, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 6,218 sqft · built 1995
Lot Size	0.414 acres (18,034 sqft)
Owner	Individual Name on File
Last Sale	$1,500,000 (Oct 2017)
Tax Bill	$14,551 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-1 02-0-0011`

Property Details

APN / Parcel Number

Primary APN	`43-1 02-0-0011`
Alternative APN	`17645`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,218 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	18,034 sqft (0.414 acres)
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	224 sqft
Deck Area	456 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17645
Street Address	1548 HARBOR RD
City	WILLIAMSBURG
State	VA
Zip	23185-7630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-11 THE HARBOR THE GOVERNOR'S LAND
Legal Subdivision	GOVERNORS LAND
Legal Lot Number	11
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3007
Census Tract	80304

Owner

Source: James City County records · APN 43-1 02-0-0011

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1548 HARBOR RD, WILLIAMSBURG, VA 23185-7630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2017 · Amount on Record
Deed Sale	Oct 16, 2017 · Amount on Record
Prior Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	0000019909
Last Transfer Date	May 09, 2025
Transfer Doc	0202506424
Record Updated	Jun 08, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 16, 2017
Property Address	1548 HARBOR RD, WILLIAMSBURG, VA 23185-7630
Document Number	0000019909
Instrument Date	Sep 21, 2017
Instrument	19909
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1548 HARBOR RD WILLIAMSBURG VA 231857630, WILLIAMSBURG, VA 23185-7630

Mortgage

Document Number	19910
Date	Oct 16, 2017
Instrument	19910

Lender

Name	BRANCH BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,551.00 (+6.41%)	$1,753,200 (+18.39%) Land $808,300 Building $944,900	$1,753,200 (+18.39%) Land $808,300 Building $944,900
2024	$13,674.00 (+11.25%)
2023	$12,291.00	$1,480,900 Land $575,000 Building $905,900	$1,480,900 Land $575,000 Building $905,900
2022	$12,291.00 (-1.19%)
2019	$12,439.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 27, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

Based on FCC filings for 58 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	JCSA - CENTRAL SYSTEM serves 57,726 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.