2598 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2598 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1998
Lot Size	1 acres (43,952 sqft)
Owner	Company Name on Record
Last Sale	$180,000 (Mar 2017)
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Sep 2022 Sale Feb 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-4 05-0-0001`

Property Details

APN / Parcel Number

Primary APN	`21-4 05-0-0001`
Alternative APN	`22736`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	43,952 sqft (1 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	22736
Street Address	2598 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-1 P.W. DEVELOPMENT SUBDIVISION
Legal Subdivision	PW DEVELOPMENT
Legal Lot Number	1
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1038
Census Tract	80306

Owner

Source: James City County records, as of May 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	430 MCLAWS CIR, 102, WILLIAMSBURG, VA 23185-5655
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed, Transfer
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS & FARMERS BK
Mar 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS & FARMERS BK
Mar 3, 2017	Grant Deed, Transfer BERNARD L WILSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	May 21, 2008 · Amount on Record
Deed Document Number	20174557
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 22, 2022
Property Address	2598 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Document Number	0202214034
Instrument Date	Sep 12, 2022
Instrument	202214034
Transaction Type	Transfer
Record Updated	Oct 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 MCLAWS CIR STE 102, 102, WILLIAMSBURG, VA 23185-5655

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2598 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Document Number	0000001795
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2598 LITTLE CREEK DAM RD TOANO VA 231688617, TOANO, VA 23168-8617

Mortgage

Document Number	0000001795
Date	Feb 6, 2019
Instrument	1795

Lender

Name	CITIZENS & FARMERS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2598 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Document Number	0000005114
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005114
Date	Mar 12, 2018
Instrument	5114

Lender

Name	CITIZENS & FARMERS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 3, 2017
Property Address	2598 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Document Number	0000004557
Instrument Date	Feb 27, 2017
Instrument	4557
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	FIDELITY NATIONAL TITLE

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	4558
Date	Mar 3, 2017
Instrument	4558

Lender

Name	BERNARD L WILSON
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2032

Interest

Rate	4%

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	$2,602.00 (+6.38%)	$313,600 (+39.44%) Land $109,900 Building $203,700	$313,600 (+39.44%) Land $109,900 Building $203,700
2024	$2,446.00 (+31.08%)
2023	$1,866.00	$224,900 Land $60,900 Building $164,000	$224,900 Land $60,900 Building $164,000
2022	$1,866.00 (+8.68%)
2019	$1,717.00

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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