3305 Pinecrest Cir, Toano, VA 23168 Property Records

James City County property record for 3305 Pinecrest Cir, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,143 sqft · built 1995
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,500 (Aug 2023)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-2 07-0-0025`

Property Details

APN / Parcel Number

Primary APN	`22-2 07-0-0025`
Alternative APN	`19500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,143 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19500
Street Address	3305 PINECREST CIR
City	TOANO
State	VA
Zip	23168-9064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL
Legal Description	L-25 TOANO TRACE RESUBDIVISION
Legal Subdivision	TOANO TRACE
Legal Lot Number	25
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2005
Census Tract	80402

Owner

Source: James City County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3305 PINECREST CIR, TOANO, VA 23168-9064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Deed Document Number	20238922
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 13, 2026
Property Address	3305 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0000008891
Instrument Date	Jul 9, 2026
Instrument	20268891
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	JAMESTOWN TITLE AGENCY LLC, JAMESTOWN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 PINECREST CIR, TOANO, VA 23168-9064

Mortgage

Document Number	0000008892,
Date	Jul 13, 2026
Instrument	20268892

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Aug 21, 2023
Property Address	3305 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0202308922
Instrument Date	Aug 10, 2023
Instrument	202308922
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 PINECREST CIR, TOANO, VA 23168-9064

Mortgage

Document Number	0202308923
Date	Aug 21, 2023
Instrument	202308923

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,216.00 (+6.44%)	$267,000 (+46.22%) Land $71,700 Building $195,300	$267,000 (+46.22%) Land $71,700 Building $195,300
2024	$2,082.00 (+51.31%)
2023	$1,376.00 (+171.4%)	$182,600 (-) Land $48,200 Building $134,400	$182,600 (-) Land $48,200 Building $134,400
2022	$507.00 (-63.71%)	$182,600 Land $48,200 Building $134,400	$182,600 Land $48,200 Building $134,400
2019	$1,397.00

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 72 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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