307 Cobble Stone, Williamsburg, VA 23185 Property Records

York County property record for 307 Cobble Stone, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,156 sqft · built 1991
Lot Size	0.368 acres (16,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$462,470 (Jan 2026)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	Sep 2021 Refinance Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`G14A-0394-4059`

Property Details

APN / Parcel Number

Primary APN	`G14A-0394-4059`
Alternative APNs	`120003402` `10015459`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Shingle
Lot Area	16,030 sqft (0.368 acres)
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	20 sqft
Deck Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	10015459
Street Address	307 COBBLE STONE
City	WILLIAMSBURG
State	VA
Zip	23185-5483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIGH DENSI
Legal Description	COBBLE CREEK SEC 2 LOT 37
Legal Subdivision	COBBLE CREEK
Legal Lot Number	37
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	51100

Owner

Source: York County records, as of October 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Jan 7, 2026	Bargain and Sale Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Oct 21, 2021	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	Oct 21, 2021 · Amount on Record
Deed Document Number	2026338
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019279
Date	Sep 22, 2021
Instrument	210019279

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	350 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

January 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	YORK VA
Recording Date	Jan 7, 2026
Property Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Document Number	0000000338
Map Reference	MB 11 PG 231&232
Instrument Date	Dec 29, 2025
Instrument	260000338
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	CLEAN TITLE AND ESCROW LLC, OCEAN TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483

Mortgage

Document Number	0000000339
Date	Jan 7, 2026
Instrument	260000339

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018056
Date	Oct 20, 2020
Instrument	200018056

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Oct 21, 2021
Property Address	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Document Number	0000021381
Instrument Date	Oct 19, 2021
Instrument	210021381
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	CHAMPION TITLE AGENCY, CHAMPION TITLE & SETTLEMENTS

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	307 COBBLE STONE, WILLIAMSBURG, VA 23185-5483

Mortgage

Document Number	0000021382
Date	Oct 21, 2021
Instrument	210021382

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: York County assessment roll, as of October 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$442,100 (+10.66%) Land $99,600 Building $342,500
2025	$3,448.00 (+16.64%)	$399,500 (+26.87%) Land $99,600 Building $299,900	$442,100 (+10.66%) Land $99,600 Building $342,500
2024	$2,956.00 (+21.95%)		$399,500 (+26.87%) Land $99,600 Building $299,900
2023	$2,424.00	$314,900 Land $91,200 Building $223,700	$314,900 Land $91,200 Building $223,700

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 26, 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 7 (15% premium discount)
Nearby Flood Policies	6 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF NEWPORT NEWS serves 407,300 people · EPA ID VA3700500
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) 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 418 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 Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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