18 Ensign Spence, Williamsburg, VA 23185 Property Records

James City County property record for 18 Ensign Spence, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,520 sqft · built 1977
Lot Size	0.619 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$503,000 (Jul 2021)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`50-2 11-0-0005`

Property Details

APN / Parcel Number

Primary APN	`50-2 11-0-0005`
Alternative APN	`11273`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Wood Shingle
Lot Area	27,007 sqft (0.619 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	534 sqft
Patio Area	534 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal

Location & Zoning

Account Number	11273
Street Address	18 ENSIGN SPENCE
City	WILLIAMSBURG
State	VA
Zip	23185-5561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-5 HAMPTON KEY
Legal Subdivision	KINGSMILL
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	ROBERTS
Census Block Group	1
Census Block	1015
Census Tract	80103

Owner

Source: James City County assessment roll, as of January 1, 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
Mailing Address	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CENTER LLC
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 4, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Oct 15, 2020
Deed Document Number	210013753
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 8, 2021
Property Address	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561
Document Number	210013753
Instrument Date	Jun 29, 2021
Instrument	210013753
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561

Mortgage

Document Number	0210013755
Date	Jul 8, 2021
Instrument	210013755

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561
Document Number	0000012321
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ENSIGN SPENCE WILLIAMSBURG VA 231855561, WILLIAMSBURG, VA 23185-5561

Mortgage

Document Number	0000012321
Date	Aug 10, 2020
Instrument	12321

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2035

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561
Document Number	0000004331
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ENSIGN SPENCE WILLIAMSBURG VA 231855561, WILLIAMSBURG, VA 23185-5561

Mortgage

Document Number	0000004331
Date	Mar 26, 2019
Instrument	4331

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 4, 2018
Property Address	18 ENSIGN SPENCE, WILLIAMSBURG, VA 23185-5561
Document Number	0000014072
Instrument Date	Aug 16, 2018
Instrument	14072
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	18 ENSIGN SPENCE WILLIAMSBURG VA 231855561, WILLIAMSBURG, VA 23185-5561

Mortgage

Document Number	14073
Date	Sep 4, 2018
Instrument	14073

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$4,138.00 (+6.4%)	$498,600 (+3.4%) Land $153,900 Building $344,700	$498,600 (+3.4%) Land $153,900 Building $344,700
2024	$3,889.00 (-2.82%)
2023	$4,002.00	$482,200 Land $146,500 Building $335,700	$482,200 Land $146,500 Building $335,700
2022	$4,002.00 (+16.78%)
2019	$3,427.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 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	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NEWPORT NEWS serves 407,300 people · EPA ID VA3700500
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ensign Spence

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures