3515 Pine Ridge Rd, Toano, VA 23168 Property Records

James City County property record for 3515 Pine Ridge Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,175 sqft · built 2009
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Mar 2022)
Tax Bill	$2,716 (2022)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0126`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0126`
Alternative APN	`30344`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,175 sqft Living Area
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	30344
Street Address	3515 PINE RIDGE RD
City	TOANO
State	VA
Zip	23168-9359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL
Legal Description	L-126 S-3 FENWICK HILLS
Legal Subdivision	FENWICK HILLS
Legal Lot Number	126
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Owner

3515 Pine Ridge Rd is owned and occupied by an individual who bought it in March 2022.

Source: James City County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3515 PINE RIDGE RD, TOANO, VA 23168-9359
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 7, 2022	Warranty Deed, Transfer · VA Mortgage PENTAGON FEDERAL CREDIT UNION
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jun 23, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on File
Deed Sale	Mar 7, 2022 · Amount on File
Prior Sale	Oct 1, 2009 · Amount on File
Deed Document Number	20223624
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 7, 2022
Property Address	3515 PINE RIDGE RD, TOANO, VA 23168-9359
Document Number	0202203624
Instrument Date	Mar 3, 2022
Instrument	202203624
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	AURORA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202203625
Date	Mar 7, 2022
Instrument	202203625

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3515 PINE RIDGE RD, TOANO, VA 23168-9359
Document Number	0000017072
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 PINE RIDGE RD TOANO VA 231689359, TOANO, VA 23168-9359

Mortgage

Document Number	0000017072
Date	Oct 7, 2020
Instrument	17072

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3515 PINE RIDGE RD, TOANO, VA 23168-9359
Document Number	0000013235
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013235
Date	Jun 28, 2017
Instrument	13235

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

Source: James City County assessment roll, as of October 14, 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		$418,000 Land $94,700 Building $323,300	$418,000 Land $94,700 Building $323,300
2023		$327,300 Land $72,800 Building $254,500	$327,300 Land $72,800 Building $254,500
2022	$2,716.00
2019	$2,409.00

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

Flood

FEMA maps place 3515 Pine Ridge Rd 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 3515 Pine Ridge Rd 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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