James City County property record for 3404 Frederick Dr, Toano, VA 23168
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,724 sqft · built 2007 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $244,900 (May 2016) |
| Tax Bill | $3,573 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2 06-0-0016 |
| Primary APN | 12-2 06-0-0016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,724 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,629 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 30313 |
|---|---|
| Street Address | 3404 FREDERICK DR |
| City | TOANO |
| State | VA |
| Zip | 23168-9362 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 GENERAL RESIDENTIAL |
| Legal Description | L-16 S-3 FENWICK HILLS |
| Legal Subdivision | FENWICK HILLS |
| Legal Lot Number | 16 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | STONEHOUSE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 80403 |
3404 Frederick Dr is owned and occupied by two individuals who bought it in May 2016.
Source: James City County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3404 FREDERICK DR, TOANO, VA 23168-9362 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2016 · Amount on File |
| Deed Sale | May 4, 2016 · Amount on File |
| Prior Sale | May 3, 2016 |
| Deed Document Number | 160007652 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3404 FREDERICK DR, TOANO, VA 23168-9362 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210024242 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 210024242 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Monthly |
The 2025 property tax bill for 3404 Frederick Dr was $3,573, up 6.4% from the year before.
Source: James City County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,573.00 (+6.4%) | $430,600 Land $94,700 Building $335,900 | $430,600 Land $94,700 Building $335,900 |
| 2024 | $3,358.00 (+18.11%) | ||
| 2023 | $2,843.00 | $342,600 (-) Land $72,800 Building $269,800 | $342,600 (-) Land $72,800 Building $269,800 |
| 2022 | $2,843.00 | $342,600 Land $72,800 Building $269,800 | $342,600 Land $72,800 Building $269,800 |
| 2019 | $2,533.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3404 Frederick Dr 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 risk around 3404 Frederick Dr 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 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 251 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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