320 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 320 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,298 sqft · built 2001
Lot Size	0.344 acres (15,028 sqft)
Owner	Trust Name on File
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`47-1 19-0-0020`

Property Details

APN / Parcel Number

Primary APN	`47-1 19-0-0020`
Alternative APN	`23471`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,298 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	15,028 sqft (0.344 acres)
Garage Type	Attached
Garage Area	543 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	23471
Street Address	320 MILL STREAM WAY
City	WILLIAMSBURG
State	VA
Zip	23185-3192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED RESIDENTIAL
Legal Description	L-20 S-6 SETTLERS MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	20
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1020
Census Tract	80202

Owner

Source: James City County records · APN 47-1 19-0-0020

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	Trust Name on File
Mailing Address	320 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Aug 24, 2016
Transfer Doc	0000015129
Record Updated	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	320 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Document Number	0000010261
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010261
Date	Jun 18, 2018
Instrument	10261

Lender

Name	FIRST ADVANTAGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2048

Interest

Rate Type	Adjustable Rate

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	$5,233.00 (+6.43%)	$630,500 (+29.68%) Land $121,300 Building $509,200	$630,500 (+29.68%) Land $121,300 Building $509,200
2024	$4,917.00 (+21.86%)
2023	$4,035.00	$486,200 Land $85,000 Building $401,200	$486,200 Land $85,000 Building $401,200
2022	$4,035.00 (+4.05%)
2019	$3,878.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	3 (2006–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2020 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 224 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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.