328 Mill Stream Way, Williamsburg, VA 23185 Property Records

James City County property record for 328 Mill Stream Way, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,914 sqft · built 2000
Lot Size	0.476 acres (20,778 sqft)
Owner	2 Owner Names on Record
Last Sale	$410,000 (Jan 2012)
Tax Bill	$3,706 (2019)
Deeds & Mortgages	Dec 2021 Second Mortgage Jun 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47-1 19-0-0018`

Property Details

APN / Parcel Number

Primary APN	`47-1 19-0-0018`
Alternative APN	`23469`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,914 sqft Living Area
Gross Area	3,442 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	20,778 sqft (0.476 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	83 sqft
Deck Area	339 sqft
Patio Area	339 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23469
Street Address	328 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-18 S-6 SETTLERS MILL
Legal Subdivision	SETTLERS MILL
Legal Lot Number	18
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1020
Census Tract	80202

Owner

Source: James City County records, as of October 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	328 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Oct 24, 2019	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2012 · Amount on Record
Deed Sale	Jan 24, 2012 · Amount on Record
Deed Document Number	120001623
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	328 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210024317
Date	Dec 15, 2021
Instrument	210024317

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Dec 3, 2033

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	328 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210012652
Date	Jun 22, 2021
Instrument	210012652

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 11, 2028

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	328 MILL STREAM WAY, WILLIAMSBURG, VA 23185-3192
Document Number	0000016641
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 MILL STREAM WAY WILLIAMSBURG VA 231853192, WILLIAMSBURG, VA 23185-3192

Mortgage

Document Number	0000016641
Date	Nov 13, 2019
Instrument	16641

Lender

Name	LANGLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Nov 12, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$607,400 (+30.93%) Land $145,600 Building $461,800	$607,400 (+30.93%) Land $145,600 Building $461,800
2023		$463,900 Land $102,000 Building $361,900	$463,900 Land $102,000 Building $361,900
2019	$3,706.00

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

Flood

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 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

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

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	0.02% 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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