3101 Sapling Dr, Toano, VA 23168 Property Records

James City County property record for 3101 Sapling Dr, Toano, VA 23168 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,950 sqft · built 2002
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,275 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 12-0-0017`

Property Details

APN / Parcel Number

Primary APN	`05-1 12-0-0017`
Alternative APN	`24966`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,950 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	18,165 sqft (0.417 acres)
Garage Type	Attached
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	24966
Street Address	3101 SAPLING DR
City	TOANO
State	VA
Zip	23168-9623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L-17 PH-1 S-5B BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	1
Legal Lot Number	17
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records · APN 05-1 12-0-0017

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 Record	2 Individual Names on File
Mailing Address	3101 SAPLING DR, TOANO, VA 23168-9623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2001
Deed Sale	Aug 13, 2001
Deed Document Number	10014483
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3101 SAPLING DR, TOANO, VA 23168-9623
Document Number	0000014148
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3101 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623

Mortgage

Document Number	0000014148
Date	Sep 01, 2020
Instrument	14148

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,275.00 (+6.42%)	$515,100 (+25.15%) Land $63,800 Building $451,300	$515,100 (+25.15%) Land $63,800 Building $451,300
2024	$4,017.00 (+17.59%)
2023	$3,416.00	$411,600 Land $63,800 Building $347,800	$411,600 Land $63,800 Building $347,800
2022	$3,416.00 (+20.07%)
2019	$2,845.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,846 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.