3116 Sapling Dr, Toano, VA 23168 Property Records

James City County property record for 3116 Sapling Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,542 sqft · built 2006
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Jul 2020)
Tax Bill	$5,077 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-2 04-0-0023`

Property Details

APN / Parcel Number

Primary APN	`05-2 04-0-0023`
Alternative APN	`25905`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,542 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	586 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	403 sqft
Patio Area	295 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	25905
Street Address	3116 SAPLING DR
City	TOANO
State	VA
Zip	23168-9623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANNED UNIT DEVELOP
Legal Description	L-23 S-3 BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	23
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records, as of November 17, 2025

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 Record
Mailing Address	3116 SAPLING DR, TOANO, VA 23168-9623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage PROSPERITY HM MTG
Oct 7, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Oct 7, 2019
Deed Document Number	200009815
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3116 SAPLING DR, TOANO, VA 23168-9623
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202209
Date	Feb 11, 2022
Instrument	202202209

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 7, 2020
Property Address	3116 SAPLING DR, TOANO, VA 23168-9623
Document Number	0000009815
Instrument Date	Jun 30, 2020
Instrument	9815
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623

Mortgage

Document Number	9816
Date	Jul 7, 2020
Instrument	9816

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

Interest

Rate Type	Fixed Rate

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 7, 2019
Property Address	3116 SAPLING DR, TOANO, VA 23168-9623
Document Number	0000016400
Instrument Date	Oct 31, 2018
Instrument	16400
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1443 NEWPORT NEWS VA 236010443, NEWPORT NEWS, VA 23601-0443

Tax Assessment & Valuation

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	$5,077.00 (+6.41%)	$611,700 (+24.33%) Land $63,800 Building $547,900	$611,700 (+24.33%) Land $63,800 Building $547,900
2024	$4,771.00 (+16.85%)
2023	$4,083.00	$492,000 Land $63,800 Building $428,200	$492,000 Land $63,800 Building $428,200
2022	$4,083.00 (-0.24%)
2019	$4,093.00

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

Flood

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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 (outdoors only), no 5G reported

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