3599 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3599 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,981 sqft · built 2005
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Apr 2026)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0027`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0027`
Alternative APN	`27460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,981 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	27460
Street Address	3599 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-27 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	27
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 May 13, 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	3599 SPLITWOOD RD, TOANO, VA 23168-9634
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Deed Document Number	20264210
Record Updated	Sep 20, 2026

April 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 13, 2026
Property Address	3599 SPLITWOOD RD, TOANO, VA 23168-9634
Document Number	0000004210
Instrument Date	Mar 25, 2026
Instrument	2026.4210
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,580.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3599 SPLITWOOD RD, TOANO, VA 23168-9634

Mortgage

Document Number	0000004211,
Date	Apr 13, 2026
Instrument	2026.4211

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$4,174.00 (+6.4%)	$503,000 (+11.23%) Land $78,800 Building $424,200	$503,000 (+11.23%) Land $78,800 Building $424,200
2024	$3,923.00 (+4.53%)
2023	$3,753.00	$452,200 Land $75,000 Building $377,200	$452,200 Land $75,000 Building $377,200
2022	$3,753.00 (+9.26%)
2019	$3,435.00

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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

4G LTE only, no 5G reported

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