3547 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3547 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,417 sqft · built 2005
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Jun 2023)
Tax Bill	$5,238 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0007`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0007`
Alternative APN	`27440`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,417 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	35,719 sqft (0.82 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	231 sqft
Patio Area	231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	27440
Street Address	3547 SPLITWOOD RD
City	TOANO
State	VA
Zip	23168-9634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANN
Legal Description	L-7 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	7
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 July 21, 2026

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 Record
Mailing Address	3547 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jun 16, 2023	Warranty Deed, Transfer · ARM NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	May 18, 2006 · Amount on Record
Deed Document Number	20236060
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jul 9, 2026
Property Address	3547 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000008702
Instrument Date	Jun 30, 2026
Instrument	20268702
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 SPLITWOOD RD, TOANO, VA 23168-9634

Mortgage

Document Number	0000008702,
Date	Jul 9, 2026
Instrument	20268702

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.48%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jun 16, 2023
Property Address	3547 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0202306060
Instrument Date	Jun 12, 2023
Instrument	202306060
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	NAVY FEDERAL TITLE SERVICES

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	3547 SPLITWOOD RD, TOANO, VA 23168-9634

Mortgage

Document Number	0202306061
Date	Jun 16, 2023
Instrument	202306061

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Margin	2

Tax Assessment & Valuation

Source: James City County assessment roll, as of October 14, 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	$5,238.00 (+6.4%)	$631,200 (+11.68%) Land $118,100 Building $513,100	$631,200 (+11.68%) Land $118,100 Building $513,100
2024	$4,923.00 (+4.95%)
2023	$4,691.00 (+7.44%)	$565,200 (+7.43%) Land $112,500 Building $452,700	$565,200 (+7.43%) Land $112,500 Building $452,700
2022	$4,366.00 (+8.53%)	$526,100 Land $112,500 Building $413,600	$526,100 Land $112,500 Building $413,600
2019	$4,023.00

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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