245 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 245 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,897 sqft · built 2000
Lot Size	0.396 acres (17,250 sqft)
Owner	Individual Name on Record
Last Sale	$413,000 (Sep 2016)
Tax Bill	$3,458 (2019)
Deeds & Mortgages	Jul 2026 Line of Credit Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`47-1 18-0-0029`

Property Details

APN / Parcel Number

Primary APN	`47-1 18-0-0029`
Alternative APN	`21776`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,897 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	17,250 sqft (0.396 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21776
Street Address	245 MILL STREAM WAY
City	WILLIAMSBURG
State	VA
Zip	23185-3187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-29 S-5 SETTLER'S MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	29
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1020
Census Tract	80202

Owner

Source: James City County records, as of July 14, 2026

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
Mailing Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit BAYPORT CU
Mar 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Nov 28, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2016 · Amount on Record
Deed Sale	Sep 9, 2016 · Amount on Record
Prior Sale	May 10, 2000 · Amount on Record
Deed Document Number	201615994
Last Transfer Date	Nov 24, 2023
Transfer Doc	0202312586
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jul 1, 2026
Property Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Document Number	0000008337
Instrument Date	Jun 23, 2026
Instrument	20268337
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008337,
Date	Jul 1, 2026
Instrument	20268337

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Jun 23, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202602008
Date	Feb 19, 2026
Instrument	202602008

Lender

Name	BAYPORT CU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Feb 18, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202403379
Date	Mar 18, 2024
Instrument	202403379

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

Interest

Rate Type	Fixed Rate

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Nov 28, 2023
Property Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Document Number	0202312586
Instrument Date	Nov 17, 2023
Instrument	202312586
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187

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		$573,200 (+30.27%) Land $121,300 Building $451,900	$573,200 (+30.27%) Land $121,300 Building $451,900
2023		$440,000 Land $85,000 Building $355,000	$440,000 Land $85,000 Building $355,000
2019	$3,458.00

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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2020 · 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	0.01% annual chance
Exposure	Indirect within ember reach

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 224 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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