James City County property record for 3105 Sapling Dr, Toano, VA 23168 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2003 |
| Square Footage | 4,407 sqft Living Area |
| Lot Size | 18,731 sqft (0.43 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $710,000 (2025) |
| Tax Bill | $2,834.00 (2025) |
| Primary APN | 05-1 13-0-0031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 12 Rooms |
| Building Area | 4,407 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Exterior |
| Foundation Type | No Foundation Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 18,731 sqft (0.43 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 840 sqft Garage |
| Deck Area | 440 sqft Deck |
| Porch Area | 229 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 25884 |
|---|---|
| Street Address | 3105 SAPLING DR |
| City | TOANO |
| State | VA |
| Zip | 23168-9623 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L-31 S-3 BENT TREE @ STONEHOUSE |
| Legal Subdivision | STONEHOUSE |
| Legal Lot Number | 31 |
| Jurisdiction | JAMES CITY VA |
| Minor Civil Division | STONEHOUSE |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 80404 |
Source: James City County records · APN 05-1 13-0-0031
Assessment roll updated October 14, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Sep 16, 2025 | Bargain and Sale Deed, Transfer · Veterans Administration Mortgage CMG MORTGAGE INC |
| Feb 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage PENTAGON FEDERAL CREDIT UNION |
| Jan 10, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Feb 16, 2021 · Amount on Record |
| Deed Doc Number | 202513324 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Sep 16, 2025 |
| Property Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202513324 |
| Map Reference | MB 83 PG 42-44 |
| Instrument Date | Sep 08, 2025 |
| Instrument | 202513324 |
| Transaction Type | Transfer |
| Record Updated | Oct 07, 2025 |
| Title Company | CLOSING EDGE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202513325 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 202513325 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Feb 16, 2021 |
| Property Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0210002862 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 210002862 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0210002863 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 210002863 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3105 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0000001148 |
| Instrument Date | Jan 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 3105 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623 |
| Document Number | 0000001148 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 1148 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: James City County records · Assessment roll updated October 14, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
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 | $2,834.00 (-22.08%) | $675,100 (+17.35%) Land $65,500 Building $609,600 | $675,100 (+17.35%) Land $65,500 Building $609,600 |
| 2023 | $575,300 Land $65,500 Building $509,800 | $575,300 Land $65,500 Building $509,800 | |
| 2019 | $3,637.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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