276 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 276 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,747 sqft · built 1999
Lot Size	0.373 acres (16,291 sqft)
Owner	Trust Name on Record
Tax Bill	$5,728 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47-1 18-0-0018`

Property Details

APN / Parcel Number

Primary APN	`47-1 18-0-0018`
Alternative APN	`21765`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,747 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,291 sqft (0.373 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	412 sqft
Patio Area	427 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21765
Street Address	276 MILL STREAM WAY
City	WILLIAMSBURG
State	VA
Zip	23185-3187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED RESIDENTIAL
Legal Description	LOT 18 S-5 SETTLER'S MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	18 S
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1022
Census Tract	80202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Co-owner	Co-owner on Record
Mailing Address	276 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CREDIT UNION INC
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Dec 22, 2005 · Amount on Record
Last Transfer Date	Mar 10, 2016
Transfer Doc	0000004559
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	276 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202204609
Date	Mar 24, 2022
Instrument	202204609

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2042

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	276 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006585
Date	Apr 5, 2021
Instrument	210006585

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	1.88%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	276 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Document Number	0000003271
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 MILL STREAM WAY WILLIAMSBURG VA 231853187, WILLIAMSBURG, VA 23185-3187

Mortgage

Document Number	0000003271
Date	Mar 3, 2020
Instrument	3271

Lender

Name	WELLS FARGO BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2035

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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	$5,728.00 (+6.41%)	$690,200 (+22.86%) Land $121,300 Building $568,900	$690,200 (+22.86%) Land $121,300 Building $568,900
2024	$5,383.00 (+15.47%)
2023	$4,662.00	$561,800 Land $85,000 Building $476,800	$561,800 Land $85,000 Building $476,800
2022	$4,662.00 (+5.79%)
2019	$4,407.00

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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2020 · 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JCSA - CENTRAL SYSTEM serves 57,726 people · EPA ID VA3095490
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mill Stream Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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