3505 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3505 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,195 sqft · built 2019
Lot Size	0.664 acres (28,924 sqft)
Owner	Company Name on Record
Last Sale	$49,000 (Aug 2018)
Tax Bill	$1,217 (2019)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 12-0-0084`

Property Details

APN / Parcel Number

Primary APN	`05-1 12-0-0084`
Alternative APN	`24979`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,195 sqft Living Area
Gross Area	3,890 sqft

Exterior

Year Built	Built 2019
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	28,924 sqft (0.664 acres)
Garage Type	Attached
Garage Area	695 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	527 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	24979
Street Address	3505 SPLITWOOD RD
City	TOANO
State	VA
Zip	23168-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANNED UNIT DEVELOP
Legal Description	L-84 PH-1 S-5B BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	1
Legal Lot Number	84
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records, as of October 13, 2025

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

Owner of Record	Company Name on Record
Mailing Address	3505 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Nov 27, 2018	Deed of Trust, Mortgage LANGLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Aug 24, 2004 · Amount on Record
Deed Document Number	180013050
Record Updated	Jun 7, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3505 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000015591
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number	0000015591
Date	Oct 24, 2019
Instrument	15591

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3505 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000018820
Instrument Date	Nov 27, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018820
Date	Nov 28, 2018
Instrument	18820

Lender

Name	LANGLEY FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$663,200 (+17.78%) Land $144,900 Building $518,300	$663,200 (+17.78%) Land $144,900 Building $518,300
2023		$563,100 Land $144,900 Building $418,200	$563,100 Land $144,900 Building $418,200
2019	$1,217.00

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	7 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 80% of the US · lower than 71% 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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