3452 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3452 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,723 sqft · built 2008
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,500 (Oct 2018)
Tax Bill	$3,525 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0028`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0028`
Alternative APN	`30325`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,723 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	11,021 sqft (0.253 acres)
Garage Type	Attached
Garage Area	560 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	30325
Street Address	3452 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-28 S-3 FENWICK HILLS
Legal Subdivision	FENWICK HILLS
Legal Lot Number	28
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3452 FREDERICK DR, TOANO, VA 23168-9362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Oct 1, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Oct 23, 2018	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2018 · Amount on Record
Deed Sale	Oct 23, 2018 · Amount on Record
Prior Sale	Oct 3, 2008 · Amount on Record
Deed Document Number	180016995
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3452 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000013459
Instrument Date	Jul 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3452 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	0000013459
Date	Aug 24, 2020
Instrument	13459

Lender

Name	CLEARPATH LNDG

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3452 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000015227
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3452 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	0000015227
Date	Oct 17, 2019
Instrument	15227

Lender

Name	CLEARPATH LNDG

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

Interest

Rate Type	Fixed Rate
Rate	3.63%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 23, 2018
Property Address	3452 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000016995
Instrument Date	Oct 9, 2018
Instrument	16995
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	3452 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	16996
Date	Oct 23, 2018
Instrument	16996

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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	$3,525.00 (+6.43%)	$424,700 (+27.77%) Land $94,700 Building $330,000	$424,700 (+27.77%) Land $94,700 Building $330,000
2024	$3,312.00 (+20.09%)
2023	$2,758.00	$332,400 Land $72,800 Building $259,600	$332,400 Land $72,800 Building $259,600
2022	$2,758.00 (+13.64%)
2019	$2,427.00

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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