3512 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3512 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,816 sqft · built 2010
Lot Size	0.235 acres (10,237 sqft)
Owner	2 Owner Names on File
Tax Bill	$3,632 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0059`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0059`
Alternative APN	`32500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,816 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,237 sqft (0.235 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	28 sqft
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	32500
Street Address	3512 FREDERICK DR
City	TOANO
State	VA
Zip	23168-9374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL RESIDENTIAL
Legal Description	L-59 S-4 FENWICK HILLS SUBDIVISION
Legal Subdivision	FENWICK HILLS
Legal Lot Number	59
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Owner

The current owner of 3512 Frederick Dr acquired it in December 2010.

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

Owner of Record	2 Owner Names on File
Mailing Address	203 W BOBWHITE LN # A, A, HARKER HEIGHTS, TX 76548-1121

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
Sep 8, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Dec 10, 2025	Deed of Trust, Mortgage · VA Mortgage DYNAGEN LENDING LLC
Feb 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Mar 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Nov 30, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 28, 2010
Transfer Doc	0000028207
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Sep 8, 2026
Property Address	3512 FREDERICK DR, TOANO, VA 23168-9374
Document Number	0000011496
Instrument Date	Aug 31, 2026
Instrument	202611496
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3512 FREDERICK DR, TOANO, VA 23168-9374

Mortgage

Document Number	0000011496,
Date	Sep 8, 2026
Instrument	202611496

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3512 FREDERICK DR, TOANO, VA 23168-9374
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3512 FREDERICK DR, TOANO, VA 23168-9374

Mortgage

Document Number	0202516989
Date	Dec 10, 2025
Instrument	202516989

Lender

Name	DYNAGEN LENDING LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48075

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.75%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3512 FREDERICK DR, TOANO, VA 23168-9374
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002066
Date	Feb 2, 2021
Instrument	210002066

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3512 FREDERICK DR, TOANO, VA 23168-9374
Document Number	0000003849
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3512 FREDERICK DR TOANO VA 231689374, TOANO, VA 23168-9374

Mortgage

Document Number	0000003849
Date	Mar 13, 2020
Instrument	3849

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 12, 2035

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3512 FREDERICK DR, TOANO, VA 23168-9374
Document Number	0000023085
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000023085
Date	Dec 6, 2017
Instrument	23085

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 5, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3512 Frederick Dr was $3,632, 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	$3,632.00 (+6.42%)	$437,600 Land $94,700 Building $342,900	$437,600 Land $94,700 Building $342,900
2024	$3,413.00 (+19.96%)
2023	$2,845.00	$342,800 Land $72,800 Building $270,000	$342,800 Land $72,800 Building $270,000
2022	$2,845.00
2019	$2,525.00

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

Flood

FEMA maps place 3512 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 3512 Frederick Dr is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Direct burnable vegetation

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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