1677 Centennial Dr, Toano, VA 23168 Property Records

James City County property record for 1677 Centennial Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,047 sqft · built 2023
Lot Size	3.04 acres (132,640 sqft)
Owner	Company Name on Record
Last Sale	$105,000 (Sep 2022)
Tax Bill	$5,906 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`03-3 03-0-0062`

Property Details

APN / Parcel Number

Primary APN	`03-3 03-0-0062`
Alternative APN	`29181`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,047 sqft Living Area
Basement Area	1,966 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	132,640 sqft (3.04 acres)
Garage Type	Attached
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	137 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Water Source	Commercial

Location & Zoning

Account Number	29181
Street Address	1677 CENTENNIAL DR
City	TOANO
State	VA
Zip	23168-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-62 PH-2 THE RETREAT
Legal Subdivision	THE RETREAT
Legal Phase	2
Legal Lot Number	62
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	3
Census Block	3004
Census Tract	80403

Owner

Source: James City County records, as of October 1, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit ADVANTAGE FEDERAL CREDIT UNION
Mar 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
Dec 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
May 19, 2023	Intrafamily Transfer, Transfer
Sep 1, 2022	Warranty Deed, Transfer · ARM CHESAPEAKE BANK
Dec 30, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS & FARMERS BK
Jan 4, 2021	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Jan 4, 2021 · Amount on Record
Deed Document Number	202213097
Last Transfer Date	May 16, 2023
Transfer Doc	0202304770
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Sep 16, 2026
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000011971
Instrument Date	Sep 11, 2026
Instrument	202611971
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0000011971,
Date	Sep 16, 2026
Instrument	202611971

Lender

Name	ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2056

Interest

Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Transaction Type	Mortgage
Record Updated	Mar 13, 2024
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202402873
Date	Mar 4, 2024
Instrument	202402873

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.5%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202217661
Date	Dec 28, 2022
Instrument	202217661

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	May 19, 2023
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0202304770
Instrument Date	May 16, 2023
Instrument	202304770
Transaction Type	Transfer
Record Updated	Oct 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3308 NEWLAND CT, TOANO, VA 23168-9373

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 1, 2022
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0202213097
Instrument Date	Aug 22, 2022
Instrument	202213097
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	3308 NEWLAND CT, TOANO, VA 23168-9373

Mortgage

Document Number	0202213098
Date	Sep 1, 2022
Instrument	202213098

Lender

Name	CHESAPEAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Sep 1, 2025
Change Frequency	3 Years

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000000012
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1677 CENTENNIAL DR TOANO VA 231688938, TOANO, VA 23168-8938

Mortgage

Document Number	0000000012
Date	Jan 4, 2021
Instrument	12

Lender

Name	CITIZENS & FARMERS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 4, 2021
Property Address	1677 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000000011
Instrument Date	Dec 29, 2020
Instrument	11
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$74.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6232 N MAYFAIR CIR WILLIAMSBURG VA 231881789, WILLIAMSBURG, VA 23188-1789

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	$5,906.00 (+6.41%)	$711,600 (+266.62%) Land $99,800 Building $611,800	$711,600 (+266.62%) Land $99,800 Building $611,800
2024	$5,550.00 (+276.53%)
2023	$1,474.00 (+87.06%)	$194,100 Land $95,000 Building $99,100	$194,100 Land $95,000 Building $99,100
2022	$788.00

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 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

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