2401 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2401 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1994
Lot Size	3.59 acres (156,424 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Mar 2025)
Tax Bill	$2,270 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-3 02-0-0003`

Property Details

APN / Parcel Number

Primary APN	`21-3 02-0-0003`
Alternative APN	`16484`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	156,424 sqft (3.59 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	16484
Street Address	2401 LITTLE RD
City	TOANO
State	VA
Zip	23168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL AGRICULTURE
Legal Description	L-3 RESERVOIR RIDGE
Legal Subdivision	RESERVOIR RIDGE
Legal Lot Number	3
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1039
Census Tract	80306

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 29, 2021	Warranty Deed, Transfer · VA Mortgage RESIDENTIAL MORTGAGE SERVICES INC
Mar 31, 2020	Warranty Deed, Transfer VILLAGE BK MTG
Feb 22, 2017	Grant Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Jun 29, 2021 · Amount on Record
Deed Document Number	202503337
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202203908
Date	Mar 11, 2022
Instrument	202203908

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jun 29, 2021
Property Address	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616
Document Number	210013226
Instrument Date	Jun 24, 2021
Instrument	210013226
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	FIRST TITLE COMPANY, FIRST VA TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616

Mortgage

Document Number	210013227
Date	Jun 29, 2021
Instrument	210013227

Lender

Name	RESIDENTIAL MORTGAGE SERVICES INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.75%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 31, 2020
Property Address	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616
Document Number	0000004640
Instrument Date	Mar 23, 2020
Instrument	4640
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	2401 LITTLE CREEK DAM RD TOANO VA 231688616, TOANO, VA 23168-8616

Mortgage

Document Number	4641
Date	Mar 31, 2020
Instrument	4641

Lender

Name	VILLAGE BK MTG
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

Interest

Rate Type	Fixed Rate

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 22, 2017
Property Address	2401 LITTLE CREEK DAM RD, TOANO, VA 23168-8616
Document Number	0000003861
Instrument Date	Jan 13, 2017
Instrument	3861
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	3862
Date	Feb 22, 2017
Instrument	3862

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2047

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	$2,270.00 (+6.42%)	$273,500 (+21.72%) Land $134,900 Building $138,600	$273,500 (+21.72%) Land $134,900 Building $138,600
2024	$2,133.00 (+14.37%)
2023	$1,865.00	$224,700 Land $87,600 Building $137,100	$224,700 Land $87,600 Building $137,100
2022	$1,865.00 (+13.03%)
2019	$1,650.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 147 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	147 in force
Nearby Flood Claims	14 (2003–2024)
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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