3448 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3448 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,638 sqft · built 2008
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$417,000 (Oct 2021)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0027`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0027`
Alternative APN	`30324`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,638 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Garage Type	Attached
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30324
Street Address	3448 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-27 S-3 FENWICK HILLS
Legal Subdivision	FENWICK HILLS
Legal Lot Number	27
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Owner

3448 Frederick Dr is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3448 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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
Mar 1, 2018	Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Mar 1, 2018 · Amount on File
Deed Document Number	210020003
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 6, 2021
Property Address	3448 FREDERICK DR, TOANO, VA 23168-9362
Document Number	210020003
Instrument Date	Sep 28, 2021
Instrument	210020003
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	NOT AVAILABLE, THE CLOSERS OF VIRGINIA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	3448 FREDERICK DR, TOANO, VA 23168-9362

Mortgage

Document Number	210020004
Date	Oct 6, 2021
Instrument	210020004

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 1, 2018
Property Address	3448 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000004320
Instrument Date	Feb 7, 2018
Instrument	4320
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	3448 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	4321
Date	Mar 1, 2018
Instrument	4321

Lender

Name	BRANCH BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3448 Frederick Dr was $3,544, 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	$3,544.00 (+6.39%)	$427,100 Land $94,700 Building $332,400	$427,100 Land $94,700 Building $332,400
2024	$3,331.00 (+24.94%)
2023	$2,666.00	$321,300 Land $72,800 Building $248,500	$321,300 Land $72,800 Building $248,500
2022	$2,666.00
2019	$2,364.00

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

Flood

FEMA maps place 3448 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

Wildfire risk around 3448 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.

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.

Nearby Properties on Frederick Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures