3115 Bent Tree Ln, Toano, VA 23168 Property Records

James City County property record for 3115 Bent Tree Ln, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,597 sqft · built 2003
Lot Size	0.944 acres (41,121 sqft)
Owner	Individual Name on File
Last Sale	$735,000 (Nov 2025)
Tax Bill	$5,059 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 12-0-0003`

Property Details

APN / Parcel Number

Primary APN	`05-1 12-0-0003`
Alternative APN	`24952`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,597 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	41,121 sqft (0.944 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	24952
Street Address	3115 BENT TREE LN
City	TOANO
State	VA
Zip	23168-9625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANNED UNIT DEVELOP
Legal Description	NEW L-3 PH-1 S-5B BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	1
Legal Lot Number	3
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

3115 Bent Tree Ln is owned and occupied by an individual who bought it in November 2025.

Source: James City County records, as of December 2, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3115 BENT TREE LN, TOANO, VA 23168-9625
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Deed Document Number	202515543
Record Updated	Jun 8, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 6, 2025
Property Address	3115 BENT TREE LN, TOANO, VA 23168-9625
Document Number	0202515543
Map Reference	MB 83 PG 73
Instrument Date	Oct 30, 2025
Instrument	202515543
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3115 BENT TREE LN, TOANO, VA 23168-9625

Mortgage

Document Number	0202515544
Date	Nov 6, 2025
Instrument	202515544

Lender

Name	CAPTIAL CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3115 Bent Tree Ln was $5,059, up 6.4% from the year before.

Source: James City County assessment roll, as of January 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,059.00 (+6.42%)	$609,600 Land $93,500 Building $516,100	$609,600 Land $93,500 Building $516,100
2024	$4,754.00 (+13.03%)
2023	$4,206.00	$506,800 Land $93,500 Building $413,300	$506,800 Land $93,500 Building $413,300
2022	$4,206.00
2019	$3,551.00

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

Flood

FEMA maps place 3115 Bent Tree Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 27, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force

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.

Wildfire

Wildfire risk around 3115 Bent Tree Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JCSA - CENTRAL SYSTEM serves 57,726 people · EPA ID VA3095490
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Bent Tree Ln

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