2685 Little Rd, Toano, VA 23168 Property Records

James City County property record for 2685 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 2016
Lot Size	6.3 acres (274,428 sqft)
Owner	2 Individual Names on Record
Last Sale	$442,000 (May 2024)
Tax Bill	$2,509 (2022)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-4 01-0-0051`

Property Details

APN / Parcel Number

Primary APN	`21-4 01-0-0051`
Alternative APN	`33686`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,666 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	274,428 sqft (6.3 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	33686
Street Address	2685 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 CHIEFTAN'S VILLAGE
Legal Subdivision	CHIEFTANS VILLAGE
Legal Lot Number	1
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 May 21, 2026

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	2685 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · VA Mortgage OPTIMUM FIRST INC
Jul 17, 2023	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Prior Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	20246618
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Apr 1, 2026
Property Address	2685 LITTLE RD, TOANO, VA 23168
Document Number	0000003759
Instrument Date	Mar 25, 2026
Instrument	20263759
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2685 LITTLE CREEK DAM RD, TOANO, VA 23168-8618

Mortgage

Document Number	0000003759,
Date	Apr 1, 2026
Instrument	20263759

Lender

Name	OPTIMUM FIRST INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 17, 2023
Property Address	2685 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Document Number	0202307447
Instrument Date	Jul 13, 2023
Instrument	202307447
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	2685 LITTLE CREEK DAM RD, TOANO, VA 23168-8618

Mortgage

Document Number	0202307448
Date	Jul 17, 2023
Instrument	202307448

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2685 LITTLE CREEK DAM RD, TOANO, VA 23168-8618
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002734
Date	Feb 11, 2021
Instrument	210002734

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$401,300 (+32.71%) Land $106,600 Building $294,700	$401,300 (+32.71%) Land $106,600 Building $294,700
2023		$302,400 (-) Land $85,300 Building $217,100	$302,400 (-) Land $85,300 Building $217,100
2022	$2,509.00 (+15.14%)	$302,400 Land $85,300 Building $217,100	$302,400 Land $85,300 Building $217,100
2019	$2,179.00

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 67% of the US · above 54% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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