3524 Splitwood Rd, Toano, VA 23168 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,023 sqft · built 2018
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$399,900 (Nov 2018)
Tax Bill	$3,455 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0109`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0109`
Alternative APN	`27542`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,023 sqft Living Area

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	521 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	27542
Street Address	3524 SPLITWOOD RD
City	TOANO
State	VA
Zip	23168-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANNED UNIT DEVELOP
Legal Description	L-109 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	109
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County records, as of November 17, 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
Mailing Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CENTER LLC
Mar 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 2, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG
Jul 2, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 8, 2017	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	0000017968
Last Transfer Date	Mar 3, 2020
Transfer Doc	0000003324
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210018457
Date	Sep 10, 2021
Instrument	210018457

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Mar 3, 2020
Property Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000003324
Instrument Date	Feb 26, 2020
Instrument	3324
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 2, 2018
Property Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000017968
Instrument Date	Sep 25, 2018
Instrument	17968
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number	17969
Date	Nov 2, 2018
Instrument	17969

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 2, 2018
Property Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000011083
Instrument Date	Jul 2, 2018
Instrument	11083
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 W LINKS WILLIAMSBURG VA 231887434, WILLIAMSBURG, VA 23188-7434

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 8, 2017
Property Address	3524 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000021212
Instrument Date	Nov 6, 2017
Instrument	21212
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 W DUKE OF GLOUCESTER ST WILLIAMSBURG VA 231853660, WILLIAMSBURG, VA 23185-3660

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	$3,455.00 (+6.41%)	$416,300 (+15.74%) Land $65,400 Building $350,900	$416,300 (+15.74%) Land $65,400 Building $350,900
2024	$3,247.00 (+8.78%)
2023	$2,985.00	$359,700 Land $62,300 Building $297,400	$359,700 Land $62,300 Building $297,400
2022	$2,985.00 (+9.54%)
2019	$2,725.00

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	7 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 80% of the US · lower than 71% 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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