309 Cobble Stone, Williamsburg, VA 23185 Property Records

York County property record for 309 Cobble Stone, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,256 sqft · built 1991
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,654 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`G14A-0424-3981`

Property Details

APN / Parcel Number

Primary APN	`G14A-0424-3981`
Alternative APNs	`120003403` `10015460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,256 sqft Living Area
Basement Area	723 sqft
Finished Basement	723 sqft
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
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	20 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10015460
Street Address	309 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 38
Legal Subdivision	COBBLE CREEK
Legal Lot Number	38
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	PO BOX 442, WILLIAMSBURG, VA 23187-0442
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LENDERSELECT MORTGAGE GROUP
Jul 13, 2017	Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	309 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST VIRGINIA TITLE, FIRST VIRGINIA TITLE&ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011072
Date	Jun 3, 2021
Instrument	210011072

Lender

Name	LENDERSELECT MORTGAGE GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	309 COBBLE STONE, WILLIAMSBURG, VA 23185-5483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012652
Date	Jul 13, 2017
Instrument	170012652

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2037

Interest

Rate Type	Adjustable 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		$468,500 (+37.23%) Land $100,900 Building $367,600
2025	$3,654.00 (+39.04%)		$468,500 (+37.23%) Land $100,900 Building $367,600
2023	$2,628.00	$341,400 Land $92,200 Building $249,200	$341,400 Land $92,200 Building $249,200

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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