3124 Sapling Dr, Toano, VA 23168 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,473 sqft · built 2003
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$128,690 (Sep 2002)
Tax Bill	$6,573 (2025)
Flood Zone	Zone X (minimal risk)
APN	`05-2 04-0-0025`

Property Details

APN / Parcel Number

Primary APN	`05-2 04-0-0025`
Alternative APN	`25907`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,473 sqft Living Area
Basement Area	1,619 sqft
Finished Basement	1,410 sqft

Exterior

Year Built	Built 2003
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	236 sqft
Deck Area	294 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	25907
Street Address	3124 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-25 S-3 BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	25
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records · APN 05-2 04-0-0025

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	2 Individual Names on File
Mailing Address	3124 SAPLING DR, TOANO, VA 23168-9623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2002 · Amount on Record
Deed Sale	Sep 24, 2002 · Amount on Record
Deed Document Number	20021930
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated January 1, 2025 · Last verified November 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

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	$6,573.00 (+6.41%)	$792,000 (+19.98%) Land $126,700 Building $665,300	$792,000 (+19.98%) Land $126,700 Building $665,300
2024	$6,177.00 (+12.76%)
2023	$5,478.00	$660,100 Land $126,700 Building $533,400	$660,100 Land $126,700 Building $533,400
2022	$5,478.00 (+9.93%)
2019	$4,983.00

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Drinking Water

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

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 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.