2595 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2595 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,793 sqft · built 1996
Lot Size	2.2 acres (95,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Oct 2023)
Tax Bill	$2,758 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-4 01-0-0036-A`

Property Details

APN / Parcel Number

Primary APN	`21-4 01-0-0036-A`
Alternative APN	`17942`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,793 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	95,832 sqft (2.2 acres)
Porch	Slab
Porch Area	99 sqft
Deck Area	567 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	17942
Street Address	2595 LITTLE RD
City	TOANO
State	VA
Zip	23168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8 RURAL R
Legal Description	L-2 MCCOWN-BROCH SUBDIVISION
Legal Subdivision	ACREAGE LOTS POWHATAN
Legal Lot Number	2
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 18, 2025

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	2595 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Intrafamily Transfer, Transfer
Oct 24, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Deed Document Number	202311081
Prior Transfer Date	Oct 18, 2023
Prior Transfer Doc	0202311081
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Oct 24, 2023
Property Address	2595 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0202311080
Instrument Date	Oct 18, 2023
Instrument	202311080
Transaction Type	Transfer
Record Updated	Nov 1, 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

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 24, 2023
Property Address	2595 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0202311081
Instrument Date	Oct 18, 2023
Instrument	202311081
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	2595 LITTLE CREEK DAM RD, TOANO, VA 23168-8618

Mortgage

Document Number	0202311082
Date	Oct 24, 2023
Instrument	202311082

Lender

Name	NEIGHBORS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,758.00 (+6.4%)	$332,400 (+22.48%) Land $123,100 Building $209,300	$332,400 (+22.48%) Land $123,100 Building $209,300
2024	$2,592.00 (+15.1%)
2023	$2,252.00	$271,400 Land $70,300 Building $201,100	$271,400 Land $70,300 Building $201,100
2022	$2,252.00 (+8.69%)
2019	$2,072.00

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 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.04% 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 48 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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