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3104 Sapling Dr, Toano, VA 23168 Property Records

James City County property record for 3104 Sapling Dr, Toano, VA 23168 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 3,139 sqft · built 2003
Lot Size0.4 acres (17,424 sqft)
OwnerIndividual Name on File
Last Sale$617,000 (Feb 2024)
Tax Bill$4,969 (2025)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Oct 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-1 13-0-0020

Property Details

APN / Parcel Number

Primary APN05-1 13-0-0020
Alternative APN
  • 25879

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area3,139 sqft Living Area
Basement Area814 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Exterior MaterialConcrete
Foundation TypeRaised
Roof MaterialComposition Shingle
Lot Area17,424 sqft (0.4 acres)
Garage TypeAttached
Garage Area653 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area45 sqft
Deck Area526 sqft
Patio Area526 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Account Number25879
Street Address3104 SAPLING DR
CityTOANO
StateVA
Zip23168-9623
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL-20 S-3 BENT TREE @ STONEHOUSE
Legal SubdivisionSTONEHOUSE
Legal Lot Number20
JurisdictionJAMES CITY VA
Township / Civil DivisionSTONEHOUSE
Census Block Group1
Census Block1001
Census Tract80404

Owner

Source: James City County records · APN 05-1 13-0-0020

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 Address335 SUMMITWOOD DR, HUNTINGTOWN, MD 20639-3723
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2024Warranty Deed, Transfer · Conventional Mortgage
NAVY FEDERAL CREDIT UNION
Oct 26, 2020Warranty Deed, Transfer · Conventional with PMI
NOVUS HM MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 16, 2024 · Amount on Record
Deed SaleFeb 16, 2024 · Amount on Record
Prior SaleOct 26, 2020 · Amount on Record
Deed Document Number202402433
Record UpdatedJun 08, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateFeb 16, 2024
Property Address3104 SAPLING DR, TOANO, VA 23168-9623
Document Number0202402433
Instrument DateFeb 08, 2024
Instrument202402433
Transaction TypeTransfer
Record UpdatedFeb 28, 2024
Title CompanyNAVY FEDERAL TITLE SERVICES

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
Address3104 SAPLING DR, TOANO, VA 23168-9623

Mortgage

Document Number0202402434
DateFeb 16, 2024
Instrument202402434
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateOct 26, 2020
Property Address3104 SAPLING DR, TOANO, VA 23168-9623
Document Number0000017996
Book / Page002000 / 017997
Instrument DateOct 08, 2020
Instrument17996
Transaction TypeTransfer
Record UpdatedNov 24, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$547.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3104 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623

Mortgage

Document Number17997
DateOct 26, 2020
Book Page002000/017997
Instrument17997
Lender
NameNOVUS HM MTG
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 25, 2050
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$4,969.00 (+6.43%)$598,700 (+15.6%) Land $67,200 Building $531,500$598,700 (+15.6%) Land $67,200 Building $531,500
2024$4,669.00 (+8.63%)
2023$4,298.00$517,900 Land $67,200 Building $450,700$517,900 Land $67,200 Building $450,700
2022$4,298.00 (+23.72%)
2019$3,474.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510950804041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 3,846 per year
ExposureDirect
burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 122 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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