2913 E Island Rd, Williamsburg, VA 23185 Property Records

James City County property record for 2913 E Island Rd, Williamsburg, VA 23185 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,165 sqft · built 1993
Lot Size	0.455 acres (19,820 sqft)
Owner	Individual Name on File
Last Sale	$730,000 (Jul 2023)
Tax Bill	$6,073 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`44-2 03-0-0037`

Property Details

APN / Parcel Number

Primary APN	`44-2 03-0-0037`
Alternative APN	`13200`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,165 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	19,820 sqft (0.455 acres)
Garage Type	Attached
Garage Area	479 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	420 sqft
Deck Area	292 sqft
Patio Area	245 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	13200
Street Address	2913 E ISLAND RD
City	WILLIAMSBURG
State	VA
Zip	23185-7673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-37 BLK-B WHITTAKER ISLAND THE GOVERNOR'S LAND
Legal Subdivision	GOVERNORS LAND
Legal Block	B
Legal Lot Number	37
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	3
Census Block	3006
Census Tract	80304

Owner

Source: James City County records · APN 44-2 03-0-0037

Assessment roll updated October 14, 2025 · Last verified May 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 File
Mailing Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 26, 2023	Warranty Deed, Transfer · Conventional Mortgage NFM LENDING
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
May 05, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	May 05, 2021 · Amount on Record
Deed Document Number	20237872
Prior Transfer Date	Jan 13, 2022
Prior Transfer Doc	0000004075
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Apr 20, 2026
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	0000004681
Instrument Date	Apr 10, 2026
Instrument	20264681
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004681,
Date	Apr 20, 2026
Instrument	20264681

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.11%
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 26, 2023
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	0202307872
Instrument Date	Jul 20, 2023
Instrument	202307872
Transaction Type	Transfer
Record Updated	Aug 02, 2023
Title Company	FIRST VIRGINIA TITLE, FIRST VIRGINIA TITLE &ESCROW

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673

Mortgage

Document Number	0202307873
Date	Jul 26, 2023
Instrument	202307873

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Transaction Type	Mortgage
Record Updated	Mar 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202493
Date	Feb 16, 2022
Instrument	202202493

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3.38%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Transaction Type	Mortgage
Record Updated	Mar 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202494
Date	Feb 16, 2022
Instrument	202202494

Lender

Name	LOWER LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 15, 2037

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 05, 2021
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	210009201
Instrument Date	Apr 13, 2021
Instrument	210009201
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	BLUE RIDGE TITLE AND SETTLEMENT, BLUE RIDGE TITLE & STLMNT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673

Mortgage

Document Number	210009202
Date	May 05, 2021
Instrument	210009202

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	0000017152
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000017152
Date	Oct 08, 2020
Instrument	17152

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	0000010944
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Sep 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000010944
Date	Jul 30, 2019
Instrument	10944

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 29, 2020

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2913 E ISLAND RD, WILLIAMSBURG, VA 23185-7673
Document Number	0000001324
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000001324
Date	Jan 30, 2019
Instrument	1324

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 29, 2020

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated October 14, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Virginia
County	James City County
Unified School District	James City County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,073.00 (+6.39%)	$731,800 (+22.03%) Land $111,000 Building $620,800	$731,800 (+22.03%) Land $111,000 Building $620,800
2024	$5,708.00 (+14.69%)
2023	$4,977.00	$599,700 (-) Land $104,000 Building $495,700	$599,700 (-) Land $104,000 Building $495,700
2022	$4,977.00 (+22.35%)	$599,700 Land $104,000 Building $495,700	$599,700 Land $104,000 Building $495,700
2019	$4,068.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510950803043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 57 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 62 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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