James City County property record for 3551 Splitwood Rd, Toano, VA 23168
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,112 sqft · built 2006 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,900 (Feb 2006) |
| Tax Bill | $3,516 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-1 14-0-0008 |
| Primary APN | 05-1 14-0-0008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,112 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 38,768 sqft (0.89 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 210 sqft |
| Deck Area | 228 sqft |
| Patio Area | 228 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 27441 |
|---|---|
| Street Address | 3551 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-8 S-5A LISBURN STONEHOUSE |
| Legal Subdivision | STONEHOUSE |
| Legal Lot Number | 8 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | STONEHOUSE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 80404 |
3551 Splitwood Rd is owned and occupied by two individuals who bought it in February 2006.
Source: James City County records, as of May 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3551 SPLITWOOD RD, TOANO, VA 23168-9634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2006 · Amount on File |
| Deed Sale | Feb 1, 2006 · Amount on File |
| Deed Document Number | 2006600002315 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Apr 30, 2026 |
| Property Address | 3551 SPLITWOOD RD, TOANO, VA 23168-9634 |
| Document Number | 0000005148 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20265148 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3551 SPLITWOOD RD, TOANO, VA 23168-9634 |
| Document Number | 0000005148, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 20265148 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 3551 Splitwood Rd was $3,516, up 6.4% from the year before.
Source: James City County assessment roll, as of October 14, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,516.00 (+6.42%) | $423,700 Land $104,700 Building $319,000 | $423,700 Land $104,700 Building $319,000 |
| 2024 | $3,304.00 (+2.83%) | ||
| 2023 | $3,213.00 | $387,200 Land $99,800 Building $287,400 | $387,200 Land $99,800 Building $287,400 |
| 2022 | $3,213.00 | ||
| 2019 | $2,935.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3551 Splitwood Rd in Zone X, an area of minimal flood risk.
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 risk around 3551 Splitwood Rd is low, with a 0.02% annual chance of 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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