James City County property record for 3115 Sapling Dr, Toano, VA 23168 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 3,018 sqft Living Area |
| Lot Size | 27,007 sqft (0.62 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $655,000 (2025) |
| Tax Bill | $5,100.00 (2025) |
| Primary APN | 05-1 13-0-0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Building Area | 3,018 sqft Living Area |
| Basement Area | 950 sqft Basement |
| Finished Basement | 735 sqft Finished |
| Unfinished Basement | 413 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Exterior |
| Foundation Type | No Foundation Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 27,007 sqft (0.62 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 540 sqft Garage |
| Deck Area | 120 sqft Deck |
| Patio Area | 84 sqft Patio |
| Porch Area | 160 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Account Number | 25882 |
|---|---|
| Street Address | 3115 SAPLING DR |
| City | TOANO |
| State | VA |
| Zip | 23168-9623 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L-29 S-3 BENT TREE @ STONEHOUSE |
| Legal Subdivision | STONEHOUSE |
| Legal Lot Number | 29 |
| 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 13-0-0029
Assessment roll updated October 14, 2025 · Last verified April 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 | 3115 SAPLING DR, TOANO, VA 23168-9623 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 03, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 13, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2025 · Amount on Record |
| Deed Sale | Nov 03, 2025 · Amount on Record |
| Prior Sale | Nov 13, 2020 · Amount on Record |
| Deed Doc Number | 202515458 |
| Prior Transfer Date | Feb 04, 2015 |
| Prior Transfer Doc | 1500002711 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Nov 03, 2025 |
| Property Address | 3115 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202515458 |
| Map Reference | MB 83 PG 42-44 |
| Instrument Date | Oct 27, 2025 |
| Instrument | 202515458 |
| Transaction Type | Transfer |
| Record Updated | Dec 01, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3115 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202515459 |
|---|---|
| Date | Nov 03, 2025 |
| Instrument | 202515459 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Nov 13, 2020 |
| Property Address | 3115 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0000019708 |
| Instrument Date | Nov 09, 2020 |
| Instrument | 19708 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3115 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623 |
Source: James City County records · Assessment roll updated October 14, 2025 · Last verified April 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 | $5,100.00 (+6.41%) | $614,500 (+32.66%) Land $67,200 Building $547,300 | $614,500 (+32.66%) Land $67,200 Building $547,300 |
| 2024 | $4,793.00 (+24.69%) | ||
| 2023 | $3,844.00 | $463,200 Land $67,200 Building $396,000 | $463,200 Land $67,200 Building $396,000 |
| 2022 | $3,844.00 (+7.83%) | ||
| 2019 | $3,565.00 |
3115 Sapling Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · James City County (51095C), updated October 27, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 29th in Virginia |
|---|---|
| Wildfire Likelihood | Low — 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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