2650 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2650 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,211 sqft · built 1960
Lot Size	2.11 acres (92,347 sqft)
Owner	Individual Name on File
Tax Bill	$3,605 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-4 01-0-0009`

Property Details

APN / Parcel Number

Primary APN	`21-4 01-0-0009`
Alternative APN	`19430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,211 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Metal
Lot Area	92,347 sqft (2.11 acres)
Garage Type	Detached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	91 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	19430
Street Address	2650 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	PT TURNERS NECK
Legal Subdivision	ACREAGE LOTS POWHATAN
Legal Lot Number	9
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1038
Census Tract	80306

Owner

2650 Little Rd is owned and occupied by an individual who acquired it in August 2020.

Source: James City County records, as of November 17, 2025

Owner of Record	Individual Name on File
Mailing Address	2650 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
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
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020
Deed Sale	Aug 18, 2020
Prior Sale	Jul 21, 2014 · Amount on File
Deed Document Number	200013036
Deed Book / Page	1400 / 11631
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2650 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210007787
Date	Apr 19, 2021
Instrument	210007787

Lender

Name	LOANDEPOT COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2650 LITTLE CREEK DAM RD, TOANO, VA 23168-8617
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202209748
Date	Jun 21, 2022
Instrument	202209748

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2650 Little Rd was $3,605, 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	$3,605.00 (+6.4%)	$434,400 Land $141,900 Building $292,500	$434,400 Land $141,900 Building $292,500
2024	$3,388.00 (+22.44%)
2023	$2,767.00 (+32.46%)	$333,400 Land $112,500 Building $220,900	$333,400 Land $112,500 Building $220,900
2022	$2,089.00
2019	$1,931.00

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

Flood

FEMA maps place 2650 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 2650 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

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