3509 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3509 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,664 sqft · built 2020
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Oct 2019)
Tax Bill	$1,135 (2019)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 13-0-0032`

Property Details

APN / Parcel Number

Primary APN	`05-1 13-0-0032`
Alternative APN	`25885`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,664 sqft Living Area
Gross Area	4,284 sqft

Exterior

Year Built	Built 2020
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	291 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	25885
Street Address	3509 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-32 S-3 BENT TREE @ STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	32
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	2 Individual Names on Record
Mailing Address	3509 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Prior Sale	Sep 30, 2004 · Amount on Record
Deed Document Number	190015459
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 22, 2019
Property Address	3509 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000015459
Instrument Date	Sep 19, 2019
Instrument	15459
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 SPLITWOOD RD TOANO VA 23168, TOANO, VA 23168

Mortgage

Document Number	15460
Date	Oct 22, 2019
Instrument	15460

Lender

Name	TD BK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

Interest

Rate Type	Fixed Rate
Rate	3.38%

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		$695,300 (+9.44%) Land $135,200 Building $560,100	$695,300 (+9.44%) Land $135,200 Building $560,100
2023		$635,300 (-) Land $135,200 Building $500,100	$635,300 (-) Land $135,200 Building $500,100
2022		$635,300 Land $135,200 Building $500,100	$635,300 Land $135,200 Building $500,100
2019	$1,135.00

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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