3535 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3535 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,005 sqft · built 2005
Lot Size	0.319 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$428,000 (Apr 2019)
Tax Bill	$3,837 (2022)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0004`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0004`
Alternative APN	`27437`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,005 sqft Living Area
Gross Area	3,473 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	55 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	27437
Street Address	3535 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-4 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	4
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

Source: James City County assessment roll, as of January 1, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	3535 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2020	Deed of Trust, Mortgage · VA Mortgage ATLANTIC BAY MTG
Apr 1, 2019	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Dec 30, 2016
Deed Document Number	190004923
Record Updated	Jun 7, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3535 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000002929
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3535 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number	0000002929
Date	Feb 24, 2020
Instrument	2929

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 1, 2019
Property Address	3535 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000004923
Instrument Date	Mar 26, 2019
Instrument	4923
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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	3535 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number	4924
Date	Apr 1, 2019
Instrument	4924

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2049

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		$518,100 (+12.05%) Land $86,600 Building $431,500	$518,100 (+12.05%) Land $86,600 Building $431,500
2023		$462,400 Land $82,500 Building $379,900	$462,400 Land $82,500 Building $379,900
2022	$3,837.00 (+9.04%)
2019	$3,519.00

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

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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