3539 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3539 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,315 sqft · built 2005
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Sep 2021)
Tax Bill	$5,009 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0005`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0005`
Alternative APN	`27438`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,315 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.389 acres)
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	161 sqft
Deck Area	217 sqft
Patio Area	217 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	27438
Street Address	3539 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-5 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	5
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
Co-owner	Co-owner on Record
Mailing Address	3539 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUMARK FINANCIAL CREDIT UNION
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CTRL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Jun 27, 2011 · Amount on Record
Deed Document Number	210019046
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 21, 2021
Property Address	3539 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	210019046
Instrument Date	Sep 16, 2021
Instrument	210019046
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	TRIPLE CROWN TITLE GROUP LLC

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	3539 SPLITWOOD RD, TOANO, VA 23168-9634

Mortgage

Document Number	210019047
Date	Sep 21, 2021
Instrument	210019047

Lender

Name	TRUMARK FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3539 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000010537
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 SPLITWOOD RD TOANO VA 231689634, TOANO, VA 23168-9634

Mortgage

Document Number	0000010537
Date	Jul 16, 2020
Instrument	10537

Lender

Name	CAPITAL CTRL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2035

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	$5,009.00 (+6.39%)	$603,600 (+11.43%) Land $90,600 Building $513,000	$603,600 (+11.43%) Land $90,600 Building $513,000
2024	$4,708.00 (+4.72%)
2023	$4,496.00	$541,700 Land $86,300 Building $455,400	$541,700 Land $86,300 Building $455,400
2022	$4,496.00 (+16.51%)
2019	$3,859.00

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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