2964 River Reach, Williamsburg, VA 23185 Property Records

James City County property record for 2964 River Reach, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,600 sqft · built 2001
Lot Size	0.594 acres (25,918 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (Aug 2023)
Tax Bill	$5,267 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44-2 09-0-0008`

Property Details

APN / Parcel Number

Primary APN	`44-2 09-0-0008`
Alternative APN	`21274`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,600 sqft Living Area
Gross Area	4,089 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	25,918 sqft (0.594 acres)
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21274
Street Address	2964 RIVER REACH
City	WILLIAMSBURG
State	VA
Zip	23185-7543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-8 BLK B RIVER REACH THE GOVERNOR'S LAND
Legal Subdivision	GOVERNORS LAND
Legal Block	B
Legal Lot Number	8
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 October 13, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2964 RIVER REACH, WILLIAMSBURG, VA 23185-7543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Aug 3, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	202308455
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Aug 9, 2023
Property Address	2964 RIVER REACH, WILLIAMSBURG, VA 23185-7543
Document Number	0202308455
Instrument Date	Jul 29, 2023
Instrument	202308455
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	NOT AVAILABLE, RATIFIED TITLE

Transaction

Amount	Amount Recorded
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	2964 RIVER REACH, WILLIAMSBURG, VA 23185-7543

Mortgage

Document Number	0202308456
Date	Aug 9, 2023
Instrument	202308456

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2964 RIVER REACH, WILLIAMSBURG, VA 23185-7543
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210011788
Date	Jun 10, 2021
Instrument	210011788

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	2964 RIVER REACH, WILLIAMSBURG, VA 23185-7543
Document Number	0000012207
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2964 RIVER REACH WILLIAMSBURG VA 231857543, WILLIAMSBURG, VA 23185-7543

Mortgage

Document Number	0000012207
Date	Aug 7, 2020
Instrument	12207

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

Interest

Rate Type	Fixed Rate
Rate	2.25%

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		$722,600 (+13.87%) Land $147,500 Building $575,100	$722,600 (+13.87%) Land $147,500 Building $575,100
2023	$5,267.00 (+3.56%)	$634,600 (+3.56%) Land $174,000 Building $460,600	$634,600 (+3.56%) Land $174,000 Building $460,600
2022	$5,086.00 (+0.43%)	$612,800 Land $174,000 Building $438,800	$612,800 Land $174,000 Building $438,800
2019	$5,064.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% 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 18 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

Nearby Properties on River Reach

Nearby Streets

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