3240 Reades Way, Williamsburg, VA 23185 Property Records

James City County property record for 3240 Reades Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,922 sqft · built 2003
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-1 07-0-0099`

Property Details

APN / Parcel Number

Primary APN	`46-1 07-0-0099`
Alternative APN	`24488`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,922 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Attached
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	24488
Street Address	3240 READES WAY
City	WILLIAMSBURG
State	VA
Zip	23185-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL RESIDENTIAL
Legal Description	L-99 JAMESTOWN HUNDRED
Legal Subdivision	JAMESTOWN HUNDRED
Legal Lot Number	99
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1002
Census Tract	80308

Owner

3240 Reades Way is owned and occupied by an individual who acquired it in August 2021.

Source: James City County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3240 READES WAY, WILLIAMSBURG, VA 23185-2421
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 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORPORATION
Aug 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Apr 7, 2003 · Amount on File
Last Transfer Date	Aug 3, 2021
Transfer Doc	0210015840
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3240 READES WAY, WILLIAMSBURG, VA 23185-2421
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202404014
Date	Apr 3, 2024
Instrument	202404014

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3240 READES WAY, WILLIAMSBURG, VA 23185-2421
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210015841
Date	Aug 3, 2021
Instrument	210015841

Lender

Name	AMERICAN FINANCING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Aug 3, 2021
Property Address	3240 READES WAY, WILLIAMSBURG, VA 23185-2421
Document Number	210015840
Instrument Date	Jul 26, 2021
Instrument	210015840
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3240 READES WAY, WILLIAMSBURG, VA 23185-2421

Mortgage

Document Number	0210015841
Date	Aug 3, 2021
Instrument	210015841

Lender

Name	AMERICAN FINANCING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3240 Reades Way was $3,942, up 6.4% from the year before.

Source: James City County assessment roll, as of January 1, 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	$3,942.00 (+6.4%)	$475,000 Land $107,700 Building $367,300	$475,000 Land $107,700 Building $367,300
2024	$3,705.00 (+28.25%)
2023	$2,889.00	$348,100 Land $69,000 Building $279,100	$348,100 Land $69,000 Building $279,100
2022	$2,889.00
2019	$2,719.00

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

Flood

FEMA maps place 3240 Reades Way in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1999.

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 100 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	5 (1999–2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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 3240 Reades Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	0.02% 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 69 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, T-Mobile, Verizon.

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