2425 W Miller Rd, Toano, VA 23168 Property Records

James City County property record for 2425 W Miller Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,925 sqft · built 1994
Lot Size	1.23 acres (53,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Mar 2026)
Tax Bill	$4,755 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-1 03-0-0015`

Property Details

APN / Parcel Number

Primary APN	`04-1 03-0-0015`
Alternative APN	`14156`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,925 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	53,840 sqft (1.23 acres)
Garage Type	Attached
Garage Area	585 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Account Number	14156
Street Address	2425 W MILLER RD
City	TOANO
State	VA
Zip	23168-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-15 S-2 KING'S VILLAGE
Legal Subdivision	KINGS VILLAGE
Legal Lot Number	15
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1007
Census Tract	80404

Owner

Source: James City County records, as of April 21, 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	2425 W MILLER RD, TOANO, VA 23168-9525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 5, 2023	Deed of Trust, Mortgage · Unknown PRIMIS BANK
Feb 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Mar 30, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jun 21, 2023	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC
Mar 17, 2017	Grant Deed, Transfer · VA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jun 21, 2023 · Amount on Record
Deed Document Number	20263688
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	OLEANDER TITLE AGENCY, ALEXANDER TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006054
Date	Mar 30, 2021
Instrument	210006054

Lender

Name	LAKEVIEW LOAN SERVICING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate
Rate	2.75%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202310442
Date	Oct 5, 2023
Instrument	202310442

Lender

Name	PRIMIS BANK

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202501886
Date	Feb 7, 2025
Instrument	202501886

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 27, 2055

Interest

Rate Type	Fixed Rate

March 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 30, 2026
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Document Number	0202603688
Map Reference	MB 52 PG 43&44
Instrument Date	Mar 16, 2026
Instrument	202603688
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	FIRST VIRGINIA TITLE, FIRST VIRGINIA T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2425 W MILLER RD, TOANO, VA 23168-9525

Mortgage

Document Number	0202603689
Date	Mar 30, 2026
Instrument	202603689

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jun 21, 2023
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Document Number	0202306107
Instrument Date	Apr 26, 2023
Instrument	202306107
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	NOT AVAILABLE, MULTIPLE

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	2425 W MILLER RD, TOANO, VA 23168-9525

Mortgage

Document Number	0202306108
Date	Jun 21, 2023
Instrument	202306108

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 17, 2017
Property Address	2425 W MILLER RD, TOANO, VA 23168-9525
Document Number	0000005735
Instrument Date	Mar 13, 2017
Instrument	5735
Transaction Type	Transfer
Record Updated	Mar 29, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	2425 W MILLER RD TOANO VA 231689525, TOANO, VA 23168-9525

Mortgage

Document Number	5736
Date	Mar 17, 2017
Instrument	5736

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

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	$4,755.00 (+6.4%)	$573,000 (+36.69%) Land $67,600 Building $505,400	$573,000 (+36.69%) Land $67,600 Building $505,400
2024	$4,469.00 (+28.46%)
2023	$3,479.00	$419,200 (-) Land $61,700 Building $357,500	$419,200 (-) Land $61,700 Building $357,500
2022	$3,479.00 (+17.41%)	$419,200 Land $61,700 Building $357,500	$419,200 Land $61,700 Building $357,500
2019	$2,963.00

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	7 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	0.02% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile.

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