3524 Pine Ridge Rd, Toano, VA 23168 Property Records

James City County property record for 3524 Pine Ridge Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,890 sqft · built 2009
Lot Size	0.244 acres (10,672 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2015)
Tax Bill	$2,852 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0111`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0111`
Alternative APN	`30329`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.244 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30329
Street Address	3524 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-111 S-3 FENWICK HILLS
Legal Subdivision	FENWICK HILLS
Legal Lot Number	111
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Historic Designation

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.

Owner

3524 Pine Ridge Rd is owned and occupied by two individuals who bought it in December 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	3524 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on File
Deed Sale	Dec 15, 2015 · Amount on File
Prior Sale	Oct 29, 2009 · Amount on File
Deed Document Number	150024159
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3524 PINE RIDGE RD, TOANO, VA 23168-9359
Document Number	0000018621
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 PINE RIDGE RD TOANO VA 231689359, TOANO, VA 23168-9359

Mortgage

Document Number	0000018621
Date	Dec 17, 2019
Instrument	18621

Lender

Name	BAYLANDS FAM CU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 16, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3524 Pine Ridge Rd was $2,852, 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	$2,852.00 (+6.42%)	$343,700 Land $94,700 Building $249,000	$343,700 Land $94,700 Building $249,000
2024	$2,680.00 (+18.9%)
2023	$2,254.00	$271,600 Land $72,800 Building $198,800	$271,600 Land $72,800 Building $198,800
2022	$2,254.00
2019	$1,992.00

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

Flood

FEMA maps place 3524 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 3524 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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