1670 Centennial Dr, Toano, VA 23168 Property Records

James City County property record for 1670 Centennial Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,512 sqft · built 2018
Lot Size	3.14 acres (136,953 sqft)
Owner	Trust Name on File
Last Sale	$108,700 (Oct 2017)
Tax Bill	$6,576 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-3 03-0-0058`

Property Details

APN / Parcel Number

Primary APN	`03-3 03-0-0058`
Alternative APN	`29177`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,512 sqft Living Area

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	136,953 sqft (3.14 acres)
Garage Type	Attached
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	304 sqft
Deck Area	606 sqft
Patio Area	606 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	29177
Street Address	1670 CENTENNIAL DR
City	TOANO
State	VA
Zip	23168-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL AGRICULTURE
Legal Description	L-58 PH-2 THE RETREAT
Legal Subdivision	THE RETREAT
Legal Phase	2
Legal Lot Number	58
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	3
Census Block	3004
Census Tract	80403

Owner

1670 Centennial Dr is owner-occupied and held in a trust since October 2017.

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

Owner of Record	Trust Name on File
Mailing Address	1670 CENTENNIAL DR, TOANO, VA 23168-8938
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Jan 22, 2018	Trustee's Deed, Construction Loan · Line of Credit TOWNEBANK MTG
Oct 31, 2017	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Deed Document Number	170020725
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	1670 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000000939
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1670 CENTENNIAL DR TOANO VA 231688938, TOANO, VA 23168-8938

Mortgage

Document Number	0000000939
Date	Jan 22, 2020
Instrument	939

Lender

Name	TRUIST BK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 21, 2035

Interest

Rate Type	Fixed Rate

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 22, 2018
Property Address	1670 CENTENNIAL DR, TOANO, VA 23168-8938
Instrument Date	Jan 19, 2018
Instrument	1722
Transaction Type	Construction Loan
Record Updated	Feb 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001722
Date	Jan 22, 2018
Instrument	1722

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 31, 2017
Property Address	1670 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000020725
Instrument Date	Oct 27, 2017
Instrument	20725
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 GUILDFORD LN WILLIAMSBURG VA 231886629, WILLIAMSBURG, VA 23188-6629

Tax Assessment & Valuation

The 2025 property tax bill for 1670 Centennial Dr was $6,576, up 110.2% 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	$6,576.00 (+110.23%)	$792,300 Land $99,800 Building $692,500	$792,300 Land $99,800 Building $692,500
2024	$3,128.00 (-35.9%)
2023	$4,880.00	$588,000 Land $95,000 Building $493,000	$588,000 Land $95,000 Building $493,000
2022	$4,880.00
2019	$4,686.00

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

Flood

FEMA maps place 1670 Centennial Dr 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
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

Wildfire risk around 1670 Centennial Dr is low, with a 0.03% annual chance of 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	0.03% 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	RETREAT (JCSA) serves 139 people · EPA ID VA3095760
Water Source	Groundwater
Last State Inspection	Jan 2024
Also Mapped Here	JCSA - CENTRAL SYSTEM
Lead	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Centennial Dr

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