3524 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3524 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 2010
Lot Size	0.244 acres (10,672 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Jul 2021)
Tax Bill	$2,529 (2023)
Deeds & Mortgages	May 2021 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0062`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0062`
Alternative APN	`32503`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	2,800 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.244 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	32503
Street Address	3524 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-62 S-4 FENWICK HILLS SUBDIVISION
Legal Subdivision	FENWICK HILLS
Legal Lot Number	62
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3524 FREDERICK DR, TOANO, VA 23168-9374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	Dec 20, 2013 · Amount on Record
Deed Document Number	210013620
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3524 FREDERICK DR, TOANO, VA 23168-9374
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009448
Date	May 10, 2021
Instrument	210009448

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 6, 2021
Property Address	3524 FREDERICK DR, TOANO, VA 23168-9374
Document Number	210013620
Instrument Date	Jun 9, 2021
Instrument	210013620
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	FIRST TITLE COMPANY, FIRST VA TITLE & ESCROW

Transaction

Amount	Amount Recorded
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
Address	3524 FREDERICK DR, TOANO, VA 23168-9374

Mortgage

Document Number	210013621
Date	Jul 6, 2021
Instrument	210013621

Lender

Name	TIDEWATER MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$404,300 (+32.64%) Land $94,700 Building $309,600	$404,300 (+32.64%) Land $94,700 Building $309,600
2023	$2,529.00	$304,800 Land $72,800 Building $232,000	$304,800 Land $72,800 Building $232,000
2022	$2,529.00 (+12.5%)
2019	$2,248.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% 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 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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