156 School Ln, Toano, VA 23168 Property Records

James City County property record for 156 School Ln, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,892 sqft · built 1991
Lot Size	0.644 acres (28,053 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Feb 2024)
Tax Bill	$2,892 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-3 02-0-0003`

Property Details

APN / Parcel Number

Primary APN	`12-3 02-0-0003`
Alternative APN	`7302`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,892 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	28,053 sqft (0.644 acres)
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	7302
Street Address	156 SCHOOL LN
City	TOANO
State	VA
Zip	23168-9061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-3 TOANO COVES
Legal Subdivision	SHEPPARD AND KINLEY
Legal Lot Number	3
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2008
Census Tract	80402

Owner

Source: James City County records, as of August 25, 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	156 SCHOOL LN, TOANO, VA 23168-9061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jan 15, 2020	Deed of Trust, Mortgage · VA Mortgage AMERIS BK
Dec 19, 2018	Warranty Deed, Transfer · VA Mortgage FIDELITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	20242797
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 29, 2024
Property Address	156 SCHOOL LN, TOANO, VA 23168-9061
Document Number	0202402797
Instrument Date	Feb 22, 2024
Instrument	202402797
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	BARRISTERS TITLE & STLMNT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 SCHOOL LN, TOANO, VA 23168-9061

Mortgage

Document Number	0202402798
Date	Feb 29, 2024
Instrument	202402798

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0202402804
Date	Feb 29, 2024
Instrument	202402804

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	156 SCHOOL LN, TOANO, VA 23168-9061
Document Number	0000000875
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 SCHOOL LN TOANO VA 231689061, TOANO, VA 23168-9061

Mortgage

Document Number	0000000875
Date	Jan 21, 2020
Instrument	875

Lender

Name	AMERIS BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 19, 2018
Property Address	156 SCHOOL LN, TOANO, VA 23168-9061
Document Number	0000020114
Instrument Date	Dec 3, 2018
Instrument	20114
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	156 SCHOOL LN TOANO VA 231689061, TOANO, VA 23168-9061

Mortgage

Document Number	20115
Date	Dec 19, 2018
Instrument	20115

Lender

Name	FIDELITY BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,892.00 (+40.39%)	$348,500 (+40.41%) Land $50,300 Building $298,200	$348,500 (+40.41%) Land $50,300 Building $298,200
2023		$248,200 Land $46,100 Building $202,100	$248,200 Land $46,100 Building $202,100
2022	$2,060.00 (+22.69%)
2019	$1,679.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 90 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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