James City County property record for 3004 Ernest Ln, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,304 sqft · built 1991 |
| Lot Size | 0.093 acres (4,051 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Apr 2026) |
| Tax Bill | $2,965 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-4 18-0-0011 |
| Primary APN | 38-4 18-0-0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Material | Fiberglass |
| Lot Area | 4,051 sqft (0.093 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 12861 |
|---|---|
| Street Address | 3004 ERNEST LN |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-2552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 GENERAL |
| Legal Description | L-11 S-1 BRADSHAW ORDINARY |
| Legal Subdivision | BRADSHAW ORDINARY |
| Legal Lot Number | 11 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 80202 |
3004 Ernest Ln is owned and occupied by an individual who bought it in April 2026.
Source: James City County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3004 ERNEST LN, WILLIAMSBURG, VA 23188-2552 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed, Transfer · FHA Mortgage OCMBC INC |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Oct 16, 2017 | Warranty Deed, Transfer · VA Mortgage BOKF NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Oct 16, 2017 · Amount on File |
| Deed Document Number | 20264505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Apr 15, 2026 |
| Property Address | 3004 ERNEST LN, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 0000004505 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 2026.4505 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $42,420.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3004 ERNEST LN, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 0000004506, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026..4506 |
| Name | OCMBC INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000004507, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 2026.4507 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | May 1, 2036 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3004 ERNEST LN, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 0000006898 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3004 ERNEST LN WILLIAMSBURG VA 231882552, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 0000006898 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 6898 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 17, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Oct 16, 2017 |
| Property Address | 3004 ERNEST LN, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 0000019913 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 19913 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3004 ERNEST LN WILLIAMSBURG VA 231882552, WILLIAMSBURG, VA 23188-2552 |
| Document Number | 19914 |
|---|---|
| Date | Oct 16, 2017 |
| Instrument | 19914 |
| Name | BOKF NA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3004 Ernest Ln was $2,965, up 6.4% from the year before.
Source: James City County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,965.00 (+6.42%) | $357,300 Land $58,900 Building $298,400 | $357,300 Land $58,900 Building $298,400 |
| 2024 | $2,786.00 (+8.28%) | ||
| 2023 | $2,573.00 | $310,100 Land $48,900 Building $261,200 | $310,100 Land $48,900 Building $261,200 |
| 2022 | $2,573.00 | ||
| 2019 | $2,145.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3004 Ernest Ln in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 9 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 risk around 3004 Ernest Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 241 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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