James City County property record for 3120 Sapling Dr, Toano, VA 23168
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,784 sqft · built 2006 |
| Lot Size | 2.21 acres (96,268 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Sep 2025) |
| Tax Bill | $5,991 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-2 04-0-0024 |
| Primary APN | 05-2 04-0-0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,784 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 96,268 sqft (2.21 acres) |
| Garage Type | Attached |
| Garage Area | 723 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 25906 |
|---|---|
| Street Address | 3120 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-24 S-3 BENT TREE @ STONEHOUSE |
| Legal Subdivision | STONEHOUSE |
| Legal Lot Number | 24 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | STONEHOUSE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 80404 |
Source: James City County records · APN 05-2 04-0-0024
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3120 SAPLING DR, TOANO, VA 23168-9623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2025 | Bargain and Sale Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE |
| Sep 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BK |
| Feb 04, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIDELITY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on Record |
| Deed Sale | Sep 19, 2025 · Amount on Record |
| Prior Sale | Feb 04, 2019 · Amount on Record |
| Deed Document Number | 202513510 |
| Record Updated | Jun 08, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Sep 19, 2025 |
| Property Address | 3120 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202513510 |
| Map Reference | MB 83 PG 42-44 |
| Instrument Date | Sep 15, 2025 |
| Instrument | 202513510 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $722.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3120 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0202513511 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 202513511 |
| Name | TOWNE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3120 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0000015919 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3120 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623 |
| Document Number | 0000015919 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 15919 |
| Name | AMERIS BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Feb 04, 2019 |
| Property Address | 3120 SAPLING DR, TOANO, VA 23168-9623 |
| Document Number | 0000001559 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 1559 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2019 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3120 SAPLING DR TOANO VA 231689623, TOANO, VA 23168-9623 |
| Document Number | 1560 |
|---|---|
| Date | Feb 04, 2019 |
| Instrument | 1560 |
| Name | FIDELITY BK |
|---|---|
| Type | Bank |
| Type | Conventional 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 | $5,991.00 (+6.41%) | $721,900 (+17.25%) Land $135,200 Building $586,700 | $721,900 (+17.25%) Land $135,200 Building $586,700 |
| 2024 | $5,630.00 (+10.18%) | ||
| 2023 | $5,110.00 | $615,700 Land $135,200 Building $480,500 | $615,700 Land $135,200 Building $480,500 |
| 2022 | $5,110.00 (+12.8%) | ||
| 2019 | $4,530.00 |
Source: FEMA National Flood Hazard Layer as of October 27, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 122 locations within half a mile of this property.
4G LTE only, no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JCSA - CENTRAL SYSTEM serves 57,726 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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