2904 E Island Rd, Williamsburg, VA 23185 Property Records

James City County property record for 2904 E Island Rd, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,357 sqft · built 1991
Lot Size	0.604 acres (26,310 sqft)
Owner	Individual Name on Record
Last Sale	$344,500 (Jan 2018)
Tax Bill	$5,071 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44-2 03-0-0002`

Property Details

APN / Parcel Number

Primary APN	`44-2 03-0-0002`
Alternative APN	`20061`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,357 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	26,310 sqft (0.604 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Deck Area	Deck Area
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20061
Street Address	2904 E ISLAND RD
City	WILLIAMSBURG
State	VA
Zip	23185-7672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-2 BLK-B WHITTAKER ISLAND
Legal Subdivision	GOVERNORS LAND
Legal Block	B
Legal Lot Number	2
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3000
Census Tract	80304

Owner

Source: James City County records, as of May 8, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2904 E ISLAND RD, WILLIAMSBURG, VA 23185-7672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jan 9, 2018	Grant Deed, Transfer · Conventional Mortgage C&F MTG
May 30, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2018 · Amount on Record
Deed Sale	Jan 9, 2018 · Amount on Record
Prior Sale	May 30, 2017
Deed Document Number	2018498
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2904 E ISLAND RD, WILLIAMSBURG, VA 23185-7672
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002222
Date	Feb 11, 2020
Instrument	200002222

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 9, 2018
Property Address	2904 E ISLAND RD, WILLIAMSBURG, VA 23185-7672
Document Number	0000000498
Instrument Date	Jan 2, 2018
Instrument	498
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 E ISLAND RD WILLIAMSBURG VA 231857672, WILLIAMSBURG, VA 23185-7672

Mortgage

Document Number	499
Date	Jan 9, 2018
Instrument	499

Lender

Name	C&F MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 30, 2017
Property Address	2904 E ISLAND RD, WILLIAMSBURG, VA 23185-7672
Document Number	0000011193
Instrument Date	May 18, 2017
Instrument	11193
Transaction Type	Transfer
Record Updated	Jun 14, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

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	$5,071.00 (+6.42%)	$611,000 (+31.54%) Land $119,000 Building $492,000	$611,000 (+31.54%) Land $119,000 Building $492,000
2024	$4,765.00 (+23.61%)
2023	$3,855.00	$464,500 (-) Land $110,000 Building $354,500	$464,500 (-) Land $110,000 Building $354,500
2022	$3,855.00 (+0.55%)	$464,500 Land $110,000 Building $354,500	$464,500 Land $110,000 Building $354,500
2019	$3,834.00

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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force

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	0.02% 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.

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 62 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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