309 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 309 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,595 sqft · built 2004
Lot Size	0.382 acres (16,640 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (May 2022)
Tax Bill	$5,228 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`47-1 19-0-0005`

Property Details

APN / Parcel Number

Primary APN	`47-1 19-0-0005`
Alternative APN	`23456`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,595 sqft Living Area
Basement Area	1,863 sqft
Finished Basement	1,156 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,640 sqft (0.382 acres)
Garage Type	Attached
Garage Area	463 sqft
Parking Spaces	2 Parking Spaces
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23456
Street Address	309 MILL STREAM WAY
City	WILLIAMSBURG
State	VA
Zip	23185-3192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED RESIDENTIAL
Legal Description	L-5 S-6 SETTLERS MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1020
Census Tract	80202

Owner

Source: James City County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	309 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Dec 23, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Dec 14, 2016 · Amount on Record
Deed Document Number	202208287
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 24, 2022
Property Address	309 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Document Number	0202208287
Instrument Date	May 17, 2022
Instrument	202208287
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	CLOSING EDGE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	309 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192

Mortgage

Document Number	0202208288
Date	May 24, 2022
Instrument	202208288

Lender

Name	CITIBANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	309 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Document Number	0000000122
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 MILL STREAM WAY WILLIAMSBURG VA 231853192, WILLIAMSBURG, VA 23185-3192

Mortgage

Document Number	0000000122
Date	Jan 4, 2021
Instrument	122

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$5,228.00 (+6.41%)	$629,900 (+24.31%) Land $133,400 Building $496,500	$629,900 (+24.31%) Land $133,400 Building $496,500
2024	$4,913.00 (+16.84%)
2023	$4,205.00	$506,700 Land $93,500 Building $413,200	$506,700 Land $93,500 Building $413,200
2022	$4,205.00 (+9.11%)
2019	$3,854.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2020 · rainfall accumulation

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	0.02% 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	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 224 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

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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