3096 N Riverside Dr, Lanexa, VA 23089 Property Records

James City County property record for 3096 N Riverside Dr, Lanexa, VA 23089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,848 sqft · built 1959
Lot Size	0.318 acres (13,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2022)
Tax Bill	$2,025 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2024 Second Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-1 02-0-0017`

Property Details

APN / Parcel Number

Primary APN	`19-1 02-0-0017`
Alternative APN	`20155`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Other
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.318 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	20155
Street Address	3096 N RIVERSIDE DR
City	LANEXA
State	VA
Zip	23089-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL
Legal Description	L-17 S-1 CHICKAHOMINY HAVEN
Legal Subdivision	CHICKAHOMINY HAVEN
Legal Lot Number	17
Jurisdiction	JAMES CITY VA
Township / Civil Division	POWHATAN
Census Block Group	1
Census Block	1022
Census Tract	80306

Owner

Source: James City County records, as of July 20, 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	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE DEPARTMENT FEDERAL CREDIT UNION
Aug 8, 2022	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2022 · Amount on Record
Deed Sale	Aug 8, 2022 · Amount on Record
Deed Document Number	202212068
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jul 6, 2026
Property Address	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403
Document Number	0000008568
Instrument Date	Jun 30, 2026
Instrument	20268568
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403

Mortgage

Document Number	0000008568,
Date	Jul 6, 2026
Instrument	20268568

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 25, 2046

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202401377
Date	Jan 26, 2024
Instrument	202401377

Lender

Name	STATE DEPARTMENT FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 25, 2044

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Aug 8, 2022
Property Address	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403
Document Number	0202212068
Instrument Date	Jul 27, 2022
Instrument	202212068
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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	3096 N RIVERSIDE DR, LANEXA, VA 23089-9403

Mortgage

Document Number	0202212069
Date	Aug 8, 2022
Instrument	202212069

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: James City County assessment roll, as of October 14, 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	$2,025.00 (-43.91%)	$462,900 (+11.06%) Land $227,400 Building $235,500	$462,900 (+11.06%) Land $227,400 Building $235,500
2024	$3,610.00 (+4.37%)
2023	$3,459.00	$416,800 Land $249,900 Building $166,900	$416,800 Land $249,900 Building $166,900
2022	$3,459.00 (-1.2%)
2019	$3,501.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 147 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	147 in force
Nearby Flood Claims	14 (2003–2024)
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 claims

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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