3309 Derby Ln, Williamsburg, VA 23185 Property Records

James City County property record for 3309 Derby Ln, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,485 sqft · built 1989
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (May 2018)
Tax Bill	$4,740 (2025)
Deeds & Mortgages	Jan 2024 Transfer Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-3 03-0-0003-B`

Property Details

APN / Parcel Number

Primary APN	`46-3 03-0-0003-B`
Alternative APN	`13489`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,485 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	90,169 sqft (2.07 acres)
Garage Type	Attached
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	648 sqft
Patio Area	648 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13489
Street Address	3309 DERBY LN
City	WILLIAMSBURG
State	VA
Zip	23185-1466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8 RURAL R
Legal Description	L-3B FIRST SETTLERS LANDING
Legal Subdivision	FIRST SETTLERS LANDING
Legal Lot Number	3B
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	1
Census Block	1005
Census Tract	80304

Owner

3309 Derby Ln is owned and occupied by two individuals who acquired it in January 2024.

Source: James City County records, as of November 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jan 26, 2024	Intrafamily Transfer, Transfer
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Prior Sale	May 21, 2010 · Amount on File
Deed Document Number	20187875
Last Transfer Date	Jan 26, 2024
Transfer Doc	0202401435
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Jan 26, 2024
Property Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466
Document Number	0202401435
Instrument Date	Jan 26, 2024
Instrument	202401435
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210017471
Date	Aug 27, 2021
Instrument	210017471

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.38%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466
Document Number	0000018362
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 DERBY LN WILLIAMSBURG VA 231851466, WILLIAMSBURG, VA 23185-1466

Mortgage

Document Number	0000018362
Date	Dec 11, 2019
Instrument	18362

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 10, 2039

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 1, 2018
Property Address	3309 DERBY LN, WILLIAMSBURG, VA 23185-1466
Document Number	0000007875
Instrument Date	Mar 26, 2018
Instrument	7875
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3309 DERBY LN WILLIAMSBURG VA 231851466, WILLIAMSBURG, VA 23185-1466

Mortgage

Document Number	7876
Date	May 1, 2018
Instrument	7876

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3309 Derby Ln was $4,740, 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	$4,740.00 (+6.42%)	$571,100 Land $124,500 Building $446,600	$571,100 Land $124,500 Building $446,600
2024	$4,454.00 (+4.14%)
2023	$4,277.00	$515,400 Land $124,500 Building $390,900	$515,400 Land $124,500 Building $390,900
2022	$4,277.00
2019	$3,931.00

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

Flood

FEMA maps place 3309 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 3309 Derby Ln 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 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 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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