3236 Derby Ln, Williamsburg, VA 23185 Property Records

James City County property record for 3236 Derby Ln, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,582 sqft · built 1988
Lot Size	0.648 acres (28,227 sqft)
Owner	Individual Name on File
Last Sale	$101,000 (Dec 2009)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-3 04-0-0011`

Property Details

APN / Parcel Number

Primary APN	`46-3 04-0-0011`
Alternative APN	`14816`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,582 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	28,227 sqft (0.648 acres)
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	230 sqft
Deck Area	548 sqft
Patio Area	548 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14816
Street Address	3236 DERBY LN
City	WILLIAMSBURG
State	VA
Zip	23185-1463
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8 RURAL R
Legal Description	L-11 S-2 DRUMMONDS FIELD
Legal Subdivision	DRUMMONDS FIELD
Legal Lot Number	11
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1005
Census Tract	80304

Owner

3236 Derby Ln is owned and occupied by an individual who bought it in December 2009.

Source: James City County records, as of May 7, 2026

Owner of Record	Individual Name on File
Mailing Address	3236 DERBY LN, WILLIAMSBURG, VA 23185-1463
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 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST ADVANTAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2009 · Amount on File
Deed Sale	Dec 23, 2009 · Amount on File
Prior Sale	Jul 30, 2004 · Amount on File
Deed Document Number	2009900034021
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3236 DERBY LN, WILLIAMSBURG, VA 23185-1463
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202405241
Date	Apr 26, 2024
Instrument	202405241

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2054

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3236 DERBY LN, WILLIAMSBURG, VA 23185-1463
Document Number	0000020172
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 DERBY LN WILLIAMSBURG VA 231851463, WILLIAMSBURG, VA 23185-1463

Mortgage

Document Number	0000020172
Date	Nov 18, 2020
Instrument	20172

Lender

Name	FIRST ADVANTAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3236 Derby Ln was $3,771, 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	$3,771.00 (+6.41%)	$454,400 Land $83,000 Building $371,400	$454,400 Land $83,000 Building $371,400
2024	$3,544.00 (+5.23%)
2023	$3,368.00	$405,800 Land $83,000 Building $322,800	$405,800 Land $83,000 Building $322,800
2022	$3,368.00
2019	$3,087.00

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

Flood

FEMA maps place 3236 Derby Ln in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2003.

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
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	16 (2003–2006)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Oct 2006 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 15 claims

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 3236 Derby Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 146 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: Glo Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

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