3499 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3499 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,890 sqft · built 2009
Lot Size	0.23 acres (10,062 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,100 (Oct 2020)
Tax Bill	$2,995 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0068`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0068`
Alternative APN	`32509`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.23 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	352 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	32509
Street Address	3499 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-68 S-4 FENWICK HILLS SUBDIVISION
Legal Subdivision	FENWICK HILLS
Legal Lot Number	68
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	3499 FREDERICK DR, TOANO, VA 23168-9362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Jul 15, 2014 · Amount on Record
Deed Document Number	200017980
Deed Book / Page	002000 / 017981
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 23, 2020
Property Address	3499 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000017980
Book / Page	002000 / 017981
Instrument Date	Oct 19, 2020
Instrument	17980
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3499 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	17981
Date	Oct 23, 2020
Book Page	002000/017981
Instrument	17981

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2050

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	$2,995.00 (+6.39%)	$360,900 (+31.28%) Land $94,700 Building $266,200	$360,900 (+31.28%) Land $94,700 Building $266,200
2024	$2,815.00 (+23.41%)
2023	$2,281.00	$274,900 Land $72,800 Building $202,100	$274,900 Land $72,800 Building $202,100
2022	$2,281.00 (+13.14%)
2019	$2,016.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 54 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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