3124 Ridge Dr, Toano, VA 23168 Property Records

James City County property record for 3124 Ridge Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,615 sqft · built 2002
Lot Size	0.314 acres (13,678 sqft)
Owner	2 Individual Names on File
Last Sale	$499,000 (Mar 2021)
Tax Bill	$5,042 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-1 07-0-0042`

Property Details

APN / Parcel Number

Primary APN	`05-1 07-0-0042`
Alternative APN	`23269`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,615 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	13,678 sqft (0.314 acres)
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	111 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	23269
Street Address	3124 RIDGE DR
City	TOANO
State	VA
Zip	23168-9615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANN
Legal Description	L-42 PH-2 LAUREL RIDGE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	2
Legal Lot Number	42
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

3124 Ridge Dr is owned and occupied by two individuals who bought it in March 2021.

Source: James City County records, as of May 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3124 RIDGE DR, TOANO, VA 23168-9615
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

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 4, 2021	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE
May 13, 2020	Deed of Trust, Mortgage · Conventional with PMI ATLANTIC BAY MTG
Apr 2, 2018	Warranty Deed, Transfer · Conventional with PMI ATLANTIC BAY MTG
Apr 2, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2021 · Amount on File
Deed Sale	Mar 4, 2021 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Document Number	20214098
Prior Transfer Date	Mar 22, 2018
Prior Transfer Doc	0000006363
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3124 RIDGE DR, TOANO, VA 23168-9615
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202205803
Date	Apr 12, 2022
Instrument	202205803

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	420 Months
Due	Apr 6, 2057

Interest

Rate Type	Adjustable Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 4, 2021
Property Address	3124 RIDGE DR, TOANO, VA 23168-9615
Document Number	0210004098
Instrument Date	Mar 1, 2021
Instrument	210004098
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BARRISTERS TITLE & STLMNT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 RIDGE DR, TOANO, VA 23168-9615

Mortgage

Document Number	0210004099
Date	Mar 4, 2021
Instrument	210004099

Lender

Name	TOWNE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3124 RIDGE DR, TOANO, VA 23168-9615
Document Number	0000006956
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 RIDGE DR TOANO VA 231689615, TOANO, VA 23168-9615

Mortgage

Document Number	0000006956
Date	May 18, 2020
Instrument	6956

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 2, 2018
Property Address	3124 RIDGE DR, TOANO, VA 23168-9615
Document Number	0000006364
Instrument Date	Mar 23, 2018
Instrument	6364
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 RIDGE DR TOANO VA 231689615, TOANO, VA 23168-9615

Mortgage

Document Number	6365
Date	Apr 2, 2018
Instrument	6365

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 2, 2018
Property Address	3124 RIDGE DR, TOANO, VA 23168-9615
Document Number	0000006363
Instrument Date	Mar 22, 2018
Instrument	6363
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 RIDGE DR TOANO VA 231689615, TOANO, VA 23168-9615

Tax Assessment & Valuation

The 2025 property tax bill for 3124 Ridge Dr was $5,042, up 6.4% from the year before.

Source: James City County assessment roll, as of October 14, 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	$5,042.00 (+6.42%)	$607,500 Land $80,800 Building $526,700	$607,500 Land $80,800 Building $526,700
2024	$4,738.00 (+17.89%)
2023	$4,019.00	$484,300 Land $80,800 Building $403,500	$484,300 Land $80,800 Building $403,500
2022	$4,019.00
2019	$3,106.00

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

Flood

FEMA maps place 3124 Ridge Dr 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 3124 Ridge Dr is low, with a 0.03% 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	0.03% 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Dr

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