280 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 280 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,145 sqft · built 1998
Lot Size	0.376 acres (16,379 sqft)
Owner	2 Owner Names on Record
Tax Bill	$5,022 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`47-1 18-0-0017`

Property Details

APN / Parcel Number

Primary APN	`47-1 18-0-0017`
Alternative APN	`21764`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,145 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,379 sqft (0.376 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	55 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21764
Street Address	280 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 17 S-5 SETTLER'S MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	17 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	2 Owner Names on Record
Mailing Address	280 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit NEWPORT NEWS SHIPBUILDING EMPS

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Jun 11, 2004 · Amount on Record
Last Transfer Date	May 8, 2007
Transfer Doc	0000013309
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	280 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	0210012076
Date	Jun 14, 2021
Instrument	210012076

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 3, 2046

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	280 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Document Number	0000015734
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 MILL STREAM WAY WILLIAMSBURG VA 231853187, WILLIAMSBURG, VA 23185-3187

Mortgage

Document Number	0000015734
Date	Sep 21, 2020
Instrument	15734

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPS

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 20, 2045

Interest

Rate Type	Adjustable Rate

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	$5,022.00 (+6.42%)	$605,100 (+22.37%) Land $121,300 Building $483,800	$605,100 (+22.37%) Land $121,300 Building $483,800
2024	$4,719.00 (+14.99%)
2023	$4,104.00	$494,500 Land $85,000 Building $409,500	$494,500 Land $85,000 Building $409,500
2022	$4,104.00 (+4.27%)
2019	$3,936.00

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

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