3439 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3439 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,360 sqft · built 2011
Lot Size	0.385 acres (16,814 sqft)
Owner	Individual on Record
Last Sale	$560,000 (Jun 2024)
Tax Bill	$4,403 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0141`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0141`
Alternative APN	`30356`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,360 sqft Living Area
Basement Area	1,584 sqft
Finished Basement	1,584 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	16,814 sqft (0.385 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30356
Street Address	3439 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-141 S-3 FENWICK HILLS
Legal Subdivision	FENWICK HILLS
Legal Lot Number	141
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2007
Census Tract	80403

Owner

Source: James City County assessment roll, as of January 1, 2025

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	3439 FREDERICK DR, TOANO, VA 23168-9362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2024 · Amount on Record
Deed Sale	Jun 4, 2024 · Amount on Record
Prior Sale	Oct 3, 2011 · Amount on Record
Deed Document Number	202407006
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3439 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000000364
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3439 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	0000000364
Date	Jan 8, 2020
Instrument	364

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	468 Months
Due	Jan 7, 2059

Interest

Rate Type	Adjustable Rate
Rate	6.5%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3439 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000011068
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3439 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	0000011068
Date	Aug 1, 2019
Instrument	11068

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$4,403.00 (+6.4%)	$530,600 (+29.26%) Land $94,700 Building $435,900	$530,600 (+29.26%) Land $94,700 Building $435,900
2024	$4,138.00 (+21.46%)
2023	$3,407.00	$410,500 Land $72,800 Building $337,700	$410,500 Land $72,800 Building $337,700
2022	$3,407.00 (+12.33%)
2019	$3,033.00

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	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

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.

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 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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