3312 Pinecrest Cir, Toano, VA 23168 Property Records

James City County property record for 3312 Pinecrest Cir, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,544 sqft · built 1995
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$199,000 (Jul 2013)
Tax Bill	$2,407 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`22-2 07-0-0040`

Property Details

APN / Parcel Number

Primary APN	`22-2 07-0-0040`
Alternative APN	`18231`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,544 sqft Living Area

Exterior

Year Built	Built 1995
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18231
Street Address	3312 PINECREST CIR
City	TOANO
State	VA
Zip	23168-9064
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL RESIDENTIAL
Legal Description	L-40 TOANO TRACE RESUBDIVISION
Legal Subdivision	TOANO TRACE
Legal Lot Number	40
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2005
Census Tract	80402

Owner

3312 Pinecrest Cir is owned and occupied by an individual who acquired it in July 2017.

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

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	Individual Name on File
Mailing Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage SWIFT HOME LOANS INC
Apr 27, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC
Feb 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jun 27, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 9, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 11, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2013 · Amount on File
Deed Sale	Jul 25, 2013 · Amount on File
Prior Sale	Jul 25, 2013 · Amount on File
Deed Document Number	0000017463
Deed Book / Page	1300 / 17463
Last Transfer Date	Jul 11, 2017
Transfer Doc	0000013846
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 PINECREST CIR, TOANO, VA 23168-9064

Mortgage

Document Number	0202517343
Date	Dec 18, 2025
Instrument	202517343

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202404722
Date	Apr 15, 2024
Instrument	202404722

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202303970
Date	Apr 27, 2023
Instrument	202303970

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003443
Date	Feb 23, 2021
Instrument	210003443

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0000009792
Instrument Date	Jun 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 PINECREST CIR TOANO VA 231689064, TOANO, VA 23168-9064

Mortgage

Document Number	0000009792
Date	Jul 7, 2020
Instrument	9792

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2050

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0000014861
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 PINECREST CIR TOANO VA 231689064, TOANO, VA 23168-9064

Mortgage

Document Number	0000014861
Date	Oct 10, 2019
Instrument	14861

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0000011693
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011693
Date	Jul 12, 2018
Instrument	11693

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2048

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 11, 2017
Property Address	3312 PINECREST CIR, TOANO, VA 23168-9064
Document Number	0000013846
Instrument Date	Jul 6, 2017
Instrument	13846
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 PINECREST CIR TOANO VA 231689064, TOANO, VA 23168-9064

Tax Assessment & Valuation

The 2025 property tax bill for 3312 Pinecrest Cir was $2,407, 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	$2,407.00 (+6.41%)	$290,000 Land $75,000 Building $215,000	$290,000 Land $75,000 Building $215,000
2024	$2,262.00 (+24.97%)
2023	$1,810.00	$218,100 Land $49,500 Building $168,600	$218,100 Land $49,500 Building $168,600
2022	$1,810.00
2019	$1,670.00

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

Flood

FEMA maps place 3312 Pinecrest Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3312 Pinecrest Cir is low, with a 0.03% 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	0.03% 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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