James City County property record for 3109 Sapling Dr, Toano, VA 23168 · Last verified November 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,916 sqft Living Area |
| Lot Size | 23,087 sqft (0.53 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $560,000 (2023) |
| Tax Bill | $4,608.00 (2025) |
Source: James City County records · APN 05-1 13-0-0030
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 | Individual Name on File |
|---|---|
| Mailing Address | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 07, 2025 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 06, 2023 | Warranty Deed, Transfer · Veterans Administration Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
| Jun 30, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage GEORGE MASON MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 06, 2023 · Amount on Record |
| Deed Sale | Jun 06, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2021 · Amount on Record |
| Deed Doc Number | 202305430 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202514295 |
|---|---|
| Date | Oct 07, 2025 |
| Instrument | 202514295 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Jun 06, 2023 |
| Property Address | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202305430 |
| Instrument Date | May 30, 2023 |
| Instrument | 202305430 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Title Company | OLEANDER TITLE AGENCY, ALEXANDER TITLE AGENCY |
| 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 | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202305431 |
|---|---|
| Date | Jun 06, 2023 |
| Instrument | 202305431 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Jun 30, 2021 |
| Property Address | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 210013334 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 210013334 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC |
| 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 | 3109 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 210013335 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 210013335 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: James City County records · Assessment roll updated January 1, 2025 · Last verified November 2025
| 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 | $4,608.00 (+6.42%) | $555,200 (+11.98%) Land $66,300 Building $488,900 | $555,200 (+11.98%) Land $66,300 Building $488,900 |
| 2024 | $4,330.00 (+5.22%) | ||
| 2023 | $4,115.00 | $495,800 Land $66,300 Building $429,500 | $495,800 Land $66,300 Building $429,500 |
| 2022 | $4,115.00 (+21.53%) | ||
| 2019 | $3,386.00 |
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.
| Primary APN | 05-1 13-0-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,916 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Exterior |
| Foundation Type | Raised Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 23,087 sqft (0.53 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 682 sqft Garage |
| Porch | Open Porch |
| Porch Area | 86 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 25883 |
|---|---|
| Street Address | 3109 SAPLING DR |
| City | TOANO |
| State | VA |
| Zip | 23168-9623 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L-30 S-3 BENT TREE @ STONEHOUSE |
| Legal Subdivision | STONEHOUSE |
| Legal Lot Number | 30 |
| Jurisdiction | JAMES CITY VA |
| Minor Civil Division | STONEHOUSE |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 80404 |
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