James City County property record for 3520 Frances Berkeley, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,198 sqft · built 1996 |
| Lot Size | 0.489 acres (21,301 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $818,900 (Sep 2026) |
| Tax Bill | $4,798 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-4 03-0-0120 |
| Primary APN | 36-4 03-0-0120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,198 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Fiberglass |
| Lot Area | 21,301 sqft (0.489 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 620 sqft |
| Patio Area | 620 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 19688 |
|---|---|
| Street Address | 3520 FRANCES BERKELEY |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-1326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-120 PH-1 GREENSPRINGS PLANTATION SINGLE FAMILY |
| Legal Subdivision | GREENSPRINGS PLANTATION |
| Legal Phase | 1 |
| Legal Lot Number | 120 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | BERKELEY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 80307 |
Source: James City County records, as of September 23, 2026
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 | 3520 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed, Transfer · Conventional Mortgage NFM LENDING |
| Nov 22, 2017 | Deed of Trust, Mortgage · Conventional with PMI MOVEMENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2026 · Amount on Record |
| Deed Sale | Sep 10, 2026 · Amount on Record |
| Prior Sale | Aug 19, 2005 · Amount on Record |
| Deed Document Number | 202611559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Sep 10, 2026 |
| Property Address | 3520 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1326 |
| Document Number | 0000011559 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 202611559 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82,708.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3520 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1326 |
| Document Number | 0000011560, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 202611560 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3520 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1326 |
| Document Number | 0000022221 |
| Instrument Date | Nov 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000022221 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 22221 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 27, 2032 |
| Rate Type | Fixed Rate |
|---|
Source: James City County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,798.00 (+6.41%) | $578,100 (+12.65%) Land $104,500 Building $473,600 | $578,100 (+12.65%) Land $104,500 Building $473,600 |
| 2024 | $4,509.00 (+5.87%) | ||
| 2023 | $4,259.00 | $513,200 Land $80,100 Building $433,100 | $513,200 Land $80,100 Building $433,100 |
| 2022 | $4,259.00 (+11.14%) | ||
| 2019 | $3,832.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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