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3100 Sapling Dr, Toano, VA 23168 Property Records

James City County property record for 3100 Sapling Dr, Toano, VA 23168

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,116 sqft · built 2005
Lot Size0.485 acres (21,127 sqft)
OwnerIndividual Name on File
Last Sale$595,000 (Jul 2021)
Tax Bill$5,639 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Jun 2019 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN05-1 12-0-0029

Property Details

APN / Parcel Number

Primary APN05-1 12-0-0029
Alternative APN
  • 24967

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms11 Rooms
Stories2 Stories
Building Area4,116 sqft Living Area
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialComposition Shingle
Lot Area21,127 sqft (0.485 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area502 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Account Number24967
Street Address3100 SAPLING DR
CityTOANO
StateVA
Zip23168-9623
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR PLANNED UNIT DEVELOP
Legal DescriptionL-29 PH-1 S-5B BENT TREE @ STONEHOUSE
Legal SubdivisionSTONEHOUSE
Legal Phase1
Legal Lot Number29
JurisdictionJAMES CITY VA
Township / Civil DivisionSTONEHOUSE
Census Block Group1
Census Block1001
Census Tract80404

Owner

Source: James City County records · APN 05-1 12-0-0029

Assessment roll updated January 1, 2025 · Last verified November 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3100 SAPLING DR, TOANO, VA 23168-9623
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 01, 2021Warranty Deed, Transfer · Conventional Mortgage
PREMIA RELOCATION MORTGAGE
Jun 26, 2019Deed of Trust, Mortgage · Line of Credit
PNC BK
Nov 09, 2018Deed of Trust, Mortgage · Line of Credit
PNC BK
Feb 15, 2018Warranty Deed, Transfer
USAA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 01, 2021 · Amount on Record
Deed SaleJul 01, 2021 · Amount on Record
Prior SaleFeb 15, 2018 · Amount on Record
Deed Document Number210013383
Record UpdatedJun 08, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateJul 01, 2021
Property Address3100 SAPLING DR, TOANO, VA 23168-9623
Document Number210013383
Instrument DateJun 24, 2021
Instrument210013383
Transaction TypeTransfer
Record UpdatedJul 21, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3100 SAPLING DR, TOANO, VA 23168-9623

Mortgage

Document Number210013384
DateJul 01, 2021
Instrument210013384
Lender
NamePREMIA RELOCATION MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address3100 SAPLING DR, TOANO, VA 23168-9623
Document Number0000010144
Instrument DateJun 26, 2019
Transaction TypeMortgage
Record UpdatedMay 08, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3100 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623

Mortgage

Document Number0000010144
DateJul 15, 2019
Instrument10144
Lender
NamePNC BK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address3100 SAPLING DR, TOANO, VA 23168-9623
Document Number0000018798
Instrument DateNov 09, 2018
Transaction TypeMortgage
Record UpdatedMay 08, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000018798
DateNov 28, 2018
Instrument18798
Lender
NamePNC BK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateFeb 15, 2018
Property Address3100 SAPLING DR, TOANO, VA 23168-9623
Document Number0000003408
Instrument DateFeb 07, 2018
Instrument3408
Transaction TypeTransfer
Record UpdatedFeb 17, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3100 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623

Mortgage

Document Number3409
DateFeb 15, 2018
Instrument3409
Lender
NameUSAA
Agreement
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateVirginia
CountyJames City County
Unified School DistrictJames City County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,639.00 (+6.42%)$679,400 (+18.92%) Land $68,000 Building $611,400$679,400 (+18.92%) Land $68,000 Building $611,400
2024$5,299.00 (+11.77%)
2023$4,741.00$571,300 Land $68,000 Building $503,300$571,300 Land $68,000 Building $503,300
2022$4,741.00 (+12.48%)
2019$4,215.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 27, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Starlink
Satellite		280 / 30

Based on FCC filings for 122 locations within half a mile of this property.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemJCSA - CENTRAL SYSTEM
serves 57,726 people
Water SourceGroundwater
Last State InspectionNov 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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