214 Reflection Dr, Williamsburg, VA 23188 Property Records

James City County property record for 214 Reflection Dr, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,705 sqft · built 1988
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Owner Names on Record
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-4 07-0-0011`

Property Details

APN / Parcel Number

Primary APN	`13-4 07-0-0011`
Alternative APN	`19400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,705 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	190 sqft
Deck Area	316 sqft
Patio Area	316 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Account Number	19400
Street Address	214 REFLECTION DR
City	WILLIAMSBURG
State	VA
Zip	23188-7030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8 RURAL RESIDENTIAL
Legal Description	L-11 S-4 MIRROR LAKE
Legal Subdivision	MIRROR LAKES ESTATES
Legal Lot Number	11
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1011
Census Tract	80402

Owner

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

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

Owner of Record	2 Owner Names on Record
Mailing Address	214 REFLECTION DR, WILLIAMSBURG, VA 23188-7030
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Aug 5, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEWPORT NEWS SHIPBUILDING EMPS
Dec 23, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 16, 2007
Transfer Doc	0000001038
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	214 REFLECTION DR, WILLIAMSBURG, VA 23188-7030
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002542
Date	Feb 9, 2021
Instrument	210002542

Lender

Name	QUICKEN LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	214 REFLECTION DR, WILLIAMSBURG, VA 23188-7030
Document Number	0000011494
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 REFLECTION DR WILLIAMSBURG VA 231887030, WILLIAMSBURG, VA 23188-7030

Mortgage

Document Number	0000011494
Date	Aug 9, 2019
Instrument	11494

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Interest

Rate Type	Fixed Rate
Rate	2.99%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	214 REFLECTION DR, WILLIAMSBURG, VA 23188-7030
Document Number	0000003846
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003846
Date	Feb 21, 2018
Instrument	3846

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2028

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	214 REFLECTION DR, WILLIAMSBURG, VA 23188-7030
Document Number	0000000129
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000000129
Date	Jan 3, 2018
Instrument	129

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 2, 2033

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$2,837.00 (+6.41%)	$341,900 (+26.4%) Land $52,900 Building $289,000	$341,900 (+26.4%) Land $52,900 Building $289,000
2024	$2,666.00 (+18.75%)
2023	$2,245.00	$270,500 Land $48,300 Building $222,200	$270,500 Land $48,300 Building $222,200
2022	$2,245.00 (+16.26%)
2019	$1,931.00

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	6 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	Oct 2006 · rainfall accumulation

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	0.02% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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