James City County property record for 3523 Pine Ridge Rd, Toano, VA 23168
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,996 sqft · built 2009 |
| Lot Size | 0.232 acres (10,149 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $2,930 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2 06-0-0124 |
| Primary APN | 12-2 06-0-0124 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,996 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 10,149 sqft (0.232 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 30342 |
|---|---|
| Street Address | 3523 PINE RIDGE RD |
| City | TOANO |
| State | VA |
| Zip | 23168-9359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 GENERAL RESIDENTIAL |
| Legal Description | L-124 S-3 FENWICK HILLS |
| Legal Subdivision | FENWICK HILLS |
| Legal Lot Number | 124 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | STONEHOUSE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 80403 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | White Hall listed 2007 · 7 contributing resources · NRIS 07000234 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
The current owner of 3523 Pine Ridge Rd acquired it in October 2009.
Source: James City County records, as of November 17, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3523 PINE RIDGE RD, TOANO, VA 23168-9359 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 1, 2009 |
| Transfer Doc | 0000027233 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 3523 PINE RIDGE RD, TOANO, VA 23168-9359 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202208153 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 202208153 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3523 Pine Ridge Rd was $2,930, up 6.4% from the year before.
Source: James City County assessment roll, as of January 1, 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 | $2,930.00 (+6.39%) | $353,100 Land $94,700 Building $258,400 | $353,100 Land $94,700 Building $258,400 |
| 2024 | $2,754.00 (+18.91%) | ||
| 2023 | $2,316.00 | $279,100 Land $72,800 Building $206,300 | $279,100 Land $72,800 Building $206,300 |
| 2022 | $2,316.00 | ||
| 2019 | $2,048.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3523 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 risk around 3523 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.
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 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.
5G (outdoors only) and 4G LTE
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