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3531 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3531 Splitwood Rd, Toano, VA 23168 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,702 sqft · built 2006
Lot Size0.389 acres (16,988 sqft)
Owner2 Individual Names on File
Last Sale$460,000 (Jan 2020)
Tax Bill$4,120 (2025)
Deeds & MortgagesMar 2021 Mortgage
Jan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-1 14-0-0003

Property Details

APN / Parcel Number

Primary APN05-1 14-0-0003
Alternative APN
  • 27436

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,702 sqft Living Area
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof MaterialComposition Shingle
Lot Area16,988 sqft (0.389 acres)
Garage TypeAttached
Garage Area609 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area360 sqft
Patio Area90 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Account Number27436
Street Address3531 SPLITWOOD RD
CityTOANO
StateVA
Zip23168-9634
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL-3 S-5A LISBURN STONEHOUSE
Legal SubdivisionSTONEHOUSE
Legal Lot Number3
JurisdictionJAMES CITY VA
Township / Civil DivisionSTONEHOUSE
Census Block Group1
Census Block1001
Census Tract80404

Owner

Source: James City County records · APN 05-1 14-0-0003

Assessment roll updated January 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3531 SPLITWOOD RD, TOANO, VA 23168-9634
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS INC
Jan 09, 2020Warranty Deed, Transfer · Conventional with PMI
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 09, 2020 · Amount on Record
Deed SaleJan 09, 2020 · Amount on Record
Prior SaleOct 13, 2016 · Amount on Record
Deed Document Number200000406
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJAMES CITY VA
Property Address3531 SPLITWOOD RD, TOANO, VA 23168-9634
Transaction TypeMortgage
Record UpdatedDec 23, 2021
Title CompanyLAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SVCS

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210004539
DateMar 10, 2021
Instrument210004539
Lender
NameQUICKEN LOANS INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051
Interest
Rate TypeFixed Rate
Rate2.99%

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJAMES CITY VA
Recording DateJan 09, 2020
Property Address3531 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number0000000406
Instrument DateJan 03, 2020
Instrument406
Transaction TypeTransfer
Record UpdatedFeb 04, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3531 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number407
DateJan 09, 2020
Instrument407
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 08, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateVirginia
CountyJames City County
Unified School DistrictJames City County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,120.00 (+6.43%)$496,400 (+14.43%) Land $90,600 Building $405,800$496,400 (+14.43%) Land $90,600 Building $405,800
2024$3,871.00 (+7.53%)
2023$3,600.00$433,800 Land $86,300 Building $347,500$433,800 Land $86,300 Building $347,500
2022$3,600.00 (+9.52%)
2019$3,287.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510950804041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 4,348 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 233 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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