2645 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2645 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,108 sqft · built 1995
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Nov 2025)
Tax Bill	$2,142 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-4 02-0-0005`

Property Details

APN / Parcel Number

Primary APN	`21-4 02-0-0005`
Alternative APN	`18166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	18166
Street Address	2645 LITTLE RD
City	TOANO
State	VA
Zip	23168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8 RURAL RESIDENTIAL
Legal Description	L-5 LONGHOUSE VILLAGE
Legal Subdivision	LONGHOUSE VILLAGE
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1039
Census Tract	80306

Owner

2645 Little Rd is owned and occupied by an individual who bought it in November 2025.

Source: James City County records, as of January 12, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 10, 2025	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 16, 2019	Warranty Deed, Transfer · Conventional Mortgage USAA FED'L SVGS BK
Sep 4, 2019	Grant Deed, Transfer NOT AVAILABLE
Feb 25, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Prior Sale	Apr 1, 2020
Deed Document Number	202515686
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Aug 13, 2026
Property Address	2645 LITTLE RD, TOANO, VA 23168
Document Number	0000010462
Instrument Date	Aug 3, 2026
Instrument	202610462
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618

Mortgage

Document Number	0000010462,
Date	Aug 13, 2026
Instrument	202610462

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

November 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 10, 2025
Property Address	2645 LITTLE RD, TOANO, VA 23168
Document Number	0202515686
Map Reference	MB 62 PG 71
Instrument Date	Nov 3, 2025
Instrument	202515686
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618

Mortgage

Document Number	0202515687
Date	Nov 10, 2025
Instrument	202515687

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 1, 2020
Property Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0000004686
Instrument Date	Feb 20, 2020
Instrument	4686
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 LITTLE CREEK DAM RD TOANO VA 231688618, TOANO, VA 23168-8618

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 16, 2019
Property Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0000018596
Instrument Date	Dec 12, 2019
Instrument	18596
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
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
Address	943 PHEASANT RUN WILLIAMSBURG VA 231889417, WILLIAMSBURG, VA 23188-9417

Mortgage

Document Number	18597
Date	Dec 16, 2019
Instrument	18597

Lender

Name	USAA FED'L SVGS BK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 4, 2019
Property Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0000012595
Instrument Date	Mar 4, 2019
Instrument	12595
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 25, 2019
Property Address	2645 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0000002720
Instrument Date	Feb 19, 2019
Instrument	2720
Transaction Type	Foreclosure
Record Updated	Mar 12, 2019

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009

Tax Assessment & Valuation

The 2025 property tax bill for 2645 Little Rd was $2,142, up 6.4% from the year before.

Source: James City County assessment roll, as of January 1, 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	$2,142.00 (+6.41%)	$258,100 Land $54,700 Building $203,400	$258,100 Land $54,700 Building $203,400
2024	$2,013.00 (+42.97%)
2023	$1,408.00	$169,700 Land $43,000 Building $126,700	$169,700 Land $43,000 Building $126,700
2022	$1,408.00
2019	$1,185.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2645 Little Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2645 Little Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Nearby Properties on Little Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures