289 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 289 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,861 sqft · built 2002
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$317,398 (Apr 2002)
Tax Bill	$5,357 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-1 18-0-0040`

Property Details

APN / Parcel Number

Primary APN	`47-1 18-0-0040`
Alternative APN	`21787`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,861 sqft Living Area
Basement Area	1,216 sqft
Finished Basement	1,167 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21787
Street Address	289 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 40 S-5 SETTLER'S MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	40 S
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1020
Census Tract	80202

Owner

289 Mill Stream Way is owned and occupied by two individuals who bought it in April 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	289 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
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
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL MORTGAGE INC
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2002 · Amount on File
Deed Sale	Apr 26, 2002 · Amount on File
Deed Document Number	20010064
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	289 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210014055
Date	Jul 12, 2021
Instrument	210014055

Lender

Name	LOCAL MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	289 Months
Due	Aug 1, 2045

Interest

Rate Type	Fixed Rate
Rate	12.7%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	289 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3187
Document Number	0000004118
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 MILL STREAM WAY WILLIAMSBURG VA 231853187, WILLIAMSBURG, VA 23185-3187

Mortgage

Document Number	0000004118
Date	Mar 19, 2020
Instrument	4118

Lender

Name	LOCAL MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 289 Mill Stream Way was $5,357, 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	$5,357.00 (+6.42%)	$645,500 Land $121,300 Building $524,200	$645,500 Land $121,300 Building $524,200
2024	$5,034.00 (+8.77%)
2023	$4,628.00	$557,700 Land $85,000 Building $472,700	$557,700 Land $85,000 Building $472,700
2022	$4,628.00
2019	$3,591.00

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

Flood

FEMA maps place 289 Mill Stream Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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 File 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

Wildfire risk around 289 Mill Stream Way is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	None beyond 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.

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