3320 Plank Rd, Toano, VA 23168 Property Records

James City County property record for 3320 Plank Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,837 sqft · built 2022
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on File
Last Sale	$88,000 (Jul 2021)
Tax Bill	$5,953 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-4 03-0-0007`

Property Details

APN / Parcel Number

Primary APN	`05-4 03-0-0007`
Alternative APN	`26489`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,837 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Attached
Garage Area	921 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	26489
Street Address	3320 PLANK RD
City	TOANO
State	VA
Zip	23168-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANN
Legal Description	L-7 S-1 RICHARDSON'S MILL STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	7
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1000
Census Tract	80404

Owner

3320 Plank Rd is owned and occupied by an individual who bought it in July 2021.

Source: James City County records, as of May 8, 2026

Owner of Record	Individual Name on File
Mailing Address	3320 PLANK RD, TOANO, VA 23168-9631
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 30, 2022	Deed of Trust, Mortgage · ARM UBS BANK USA
Jul 8, 2021	Warranty Deed, Transfer
Dec 20, 2018	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on File
Deed Sale	Jul 8, 2021 · Amount on File
Prior Sale	Dec 20, 2018 · Amount on File
Deed Document Number	202113822
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3320 PLANK RD, TOANO, VA 23168-9631
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202214349
Date	Sep 30, 2022
Instrument	202214349

Lender

Name	UBS BANK USA

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Margin	3

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 8, 2021
Property Address	3320 PLANK RD, TOANO, VA 23168-9631
Document Number	0210013822
Instrument Date	Jul 6, 2021
Instrument	210013822
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount 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	132 OLD CARRIAGE WAY, WILLIAMSBURG, VA 23188-7881

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 20, 2018
Property Address	3320 PLANK RD, TOANO, VA 23168-9631
Document Number	0000020173
Instrument Date	Dec 19, 2018
Instrument	20173
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11864 CANON BLVD #103 NEWPORT NEWS VA 236064253, 103, NEWPORT NEWS, VA 23606-4253

Tax Assessment & Valuation

The 2025 property tax bill for 3320 Plank Rd was $5,953, 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	$5,953.00 (+6.42%)	$717,300 Land $85,000 Building $632,300	$717,300 Land $85,000 Building $632,300
2024	$5,594.00 (-4.39%)
2023	$5,851.00 (+20.59%)	$705,000 Land $85,000 Building $620,000	$705,000 Land $85,000 Building $620,000
2022	$4,852.00
2019	$714.00

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

Flood

FEMA maps place 3320 Plank Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 3320 Plank Rd 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	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 52 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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