3309 Croshaw Ct, Toano, VA 23168 Property Records

James City County property record for 3309 Croshaw Ct, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,388 sqft · built 2009
Lot Size	0.855 acres (37,244 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Jul 2020)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-4 04-0-0049`

Property Details

APN / Parcel Number

Primary APN	`05-4 04-0-0049`
Alternative APN	`30267`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,388 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	37,244 sqft (0.855 acres)
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	30267
Street Address	3309 CROSHAW CT
City	TOANO
State	VA
Zip	23168-9231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANN
Legal Description	L-49 S-2 STONEHOUSE GLEN
Legal Subdivision	STONEHOUSE GLEN
Legal Lot Number	49
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1000
Census Tract	80404

Owner

Source: James City County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3309 CROSHAW CT, TOANO, VA 23168-9231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 25, 2022	Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	Aug 31, 2009 · Amount on Record
Deed Document Number	202010430
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Aug 4, 2026
Property Address	3309 CROSHAW CT, TOANO, VA 23168-9231
Document Number	0000009919
Instrument Date	Jul 27, 2026
Instrument	20269919
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 CROSHAW CT, TOANO, VA 23168-9231

Mortgage

Document Number	0000009919,
Date	Aug 4, 2026
Instrument	20269919

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 1, 2066

Interest

Rate	8.75%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3309 CROSHAW CT, TOANO, VA 23168-9231
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202208371
Date	May 25, 2022
Instrument	202208371

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$4,628.00 (+6.42%)	$557,600 (+24.97%) Land $93,300 Building $464,300	$557,600 (+24.97%) Land $93,300 Building $464,300
2024	$4,349.00 (+17.45%)
2023	$3,703.00	$446,200 Land $83,300 Building $362,900	$446,200 Land $83,300 Building $362,900
2022	$3,703.00 (+4.66%)
2019	$3,538.00

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	7 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	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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35

May also be available: Verizon.

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