2909 Thomas Smith Ln, Williamsburg, VA 23185 Property Records

James City County property record for 2909 Thomas Smith Ln, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,573 sqft · built 2004
Lot Size	0.682 acres (29,708 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Mar 2017)
Tax Bill	$7,087 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-2 05-0-0042`

Property Details

APN / Parcel Number

Primary APN	`44-2 05-0-0042`
Alternative APN	`15468`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,573 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	29,708 sqft (0.682 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	183 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15468
Street Address	2909 THOMAS SMITH LN
City	WILLIAMSBURG
State	VA
Zip	23185-7517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-42 PLANTER'S ROUND THE GOVERNOR'S LAND
Legal Subdivision	GOVERNORS LAND
Legal Lot Number	42
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3000
Census Tract	80304

Owner

Source: James City County assessment roll, as of October 14, 2025

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

Owner of Record	Company Name on File
Mailing Address	2909 THOMAS SMITH LN, WILLIAMSBURG, VA 23185-7517
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FEDERAL CREDIT UNION
Mar 20, 2017	Grant Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2017 · Amount on Record
Deed Sale	Mar 20, 2017 · Amount on Record
Prior Sale	Oct 25, 2010 · Amount on Record
Deed Document Number	20175820
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2909 THOMAS SMITH LN, WILLIAMSBURG, VA 23185-7517
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	NORTHWEST TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006559
Date	Apr 5, 2021
Instrument	210006559

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 20, 2017
Property Address	2909 THOMAS SMITH LN, WILLIAMSBURG, VA 23185-7517
Document Number	0000005820
Instrument Date	Mar 15, 2017
Instrument	5820
Transaction Type	Transfer
Record Updated	Mar 30, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Revocable Trust
Address	2909 THOMAS SMITH LN WILLIAMSBURG VA 231857517, WILLIAMSBURG, VA 23185-7517

Mortgage

Document Number	5821
Date	Mar 20, 2017
Instrument	5821

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

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	$7,087.00 (+6.41%)	$853,900 (+32.94%) Land $135,300 Building $718,600	$853,900 (+32.94%) Land $135,300 Building $718,600
2024	$6,660.00 (+24.93%)
2023	$5,331.00	$642,300 Land $118,000 Building $524,300	$642,300 Land $118,000 Building $524,300
2022	$5,331.00 (+2.78%)
2019	$5,187.00

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	Direct burnable vegetation at the parcel

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

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

May also be available: T-Mobile USA, Verizon.

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