2604 Westgate Cir, Williamsburg, VA 23185 Property Records

Williamsburg City property record for 2604 Westgate Cir, Williamsburg, VA 23185

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,529 sqft · built 2002
Owner	Individual Name on Record
Last Sale	$274,900 (May 2026)
Tax Bill	$1,740 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`281-(10)-26-2604`

Property Details

APN / Parcel Number

Primary APN	`281-(10)-26-2604`
Alternative APN	`4007.965.291`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,529 sqft Living Area
Gross Area	1,480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	2604 WESTGATE CIR
City	WILLIAMSBURG
State	VA
Zip	23185-2099
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-2 (MULT
Legal Description	WESTGATE AT WILLIAMSBURG CONDOS PH XXVI UNIT 2604
Legal Subdivision	WESTGATE @ WILLIAMSBURG (CONDO)
Legal Phase	26
Legal Block	26
Legal Unit	2604
Jurisdiction	WILLIAMSBURG CITY VA
Township / Civil Division	WILLIAMSBURG
Census Block Group	1
Census Block	1001
Census Tract	370300

Owner

Source: Williamsburg City records, as of October 21, 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	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
May 8, 2026	Bargain and Sale Deed, Transfer FIDELITY NATIONAL TITLE
Dec 28, 2021	Warranty Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	20261477
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	Oct 1, 2026
Property Address	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099
Document Number	0000003185
Instrument Date	Sep 22, 2026
Instrument	20263185
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099

Mortgage

Document Number	0000003185,
Date	Oct 1, 2026
Instrument	20263185

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	May 8, 2026
Property Address	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099
Document Number	0000001477
Instrument Date	Apr 29, 2026
Instrument	2026.1477
Transaction Type	Transfer
Record Updated	May 25, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$27,764.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	Dec 28, 2021
Property Address	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099
Document Number	0000215448
Instrument Date	Dec 17, 2021
Instrument	215448
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	SAGE TITLE GROUP LLC

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	2604 WESTGATE CIR, WILLIAMSBURG, VA 23185-2099

Mortgage

Document Number	0000215449
Date	Dec 28, 2021
Instrument	215449

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Williamsburg City assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Williamsburg City
Unified School District	Williamsburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,740.00 (+19.34%)	$280,800 (+19.34%) Land $11,900 Building $268,900	$280,800 (+19.34%) Land $11,900 Building $268,900
2023	$1,458.00	$235,300 Land $11,900 Building $223,400	$235,300 Land $11,900 Building $223,400

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	8 in force
Nearby Flood Claims	3 (1989)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 1989 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 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: Glo Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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