1693 Centennial Dr, Toano, VA 23168 Property Records

James City County property record for 1693 Centennial Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,676 sqft · built 2006
Lot Size	3.06 acres (133,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$973,000 (May 2026)
Tax Bill	$6,320 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-4 06-0-0070`

Property Details

APN / Parcel Number

Primary APN	`03-4 06-0-0070`
Alternative APN	`29189`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,676 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	133,511 sqft (3.06 acres)
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	1,871 sqft
Deck Area	1,190 sqft
Patio Area	1,190 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Account Number	29189
Street Address	1693 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-70 PH-2 THE RETREAT
Legal Subdivision	THE RETREAT
Legal Phase	2
Legal Lot Number	70
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 July 7, 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	1693 CENTENNIAL DR, TOANO, VA 23168-8938
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Deed Document Number	20266321
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 26, 2026
Property Address	1693 CENTENNIAL DR, TOANO, VA 23168-8938
Document Number	0000006321
Instrument Date	May 21, 2026
Instrument	20266321
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	LYTLE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,273.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1693 CENTENNIAL DR, TOANO, VA 23168-8938

Mortgage

Document Number	0000006322,
Date	May 26, 2026
Instrument	20266322

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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	$6,320.00 (+6.42%)	$761,500 (+16.99%) Land $99,800 Building $661,700	$761,500 (+16.99%) Land $99,800 Building $661,700
2024	$5,939.00 (+9.94%)
2023	$5,402.00	$650,900 Land $95,000 Building $555,900	$650,900 Land $95,000 Building $555,900
2022	$5,402.00 (+5%)
2019	$5,145.00

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	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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