3611 Splitwood Rd, Toano, VA 23168 Property Records

James City County property record for 3611 Splitwood Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,777 sqft · built 2020
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$489,900 (Jul 2026)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-1 14-0-0030`

Property Details

APN / Parcel Number

Primary APN	`05-1 14-0-0030`
Alternative APN	`27463`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,777 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	27463
Street Address	3611 SPLITWOOD RD
City	TOANO
State	VA
Zip	23168-9624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR PLANN
Legal Description	L-30 S-5A LISBURN STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Lot Number	30
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

3611 Splitwood Rd is owned and occupied by an individual who bought it in July 2026.

Source: James City County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3611 SPLITWOOD RD, TOANO, VA 23168-9624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE
May 26, 2020	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MTG
Nov 9, 2018	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Prior Sale	May 26, 2020 · Amount on File
Deed Document Number	20269338
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 20, 2026
Property Address	3611 SPLITWOOD RD, TOANO, VA 23168-9624
Document Number	0000009338
Instrument Date	Jul 8, 2026
Instrument	20269338
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	CATIC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,479.90
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	Sole Owner
Address	3611 SPLITWOOD RD, TOANO, VA 23168-9624

Mortgage

Document Number	0000009339,
Date	Jul 20, 2026
Instrument	20269339

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 26, 2020
Property Address	3611 SPLITWOOD RD, TOANO, VA 23168-9624
Document Number	0000007453
Instrument Date	May 7, 2020
Instrument	7453
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3611 SPLITWOOD RD TOANO VA 23168, TOANO, VA 23168

Mortgage

Document Number	7454
Date	May 26, 2020
Instrument	7454

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Nov 9, 2018
Property Address	3611 SPLITWOOD RD, TOANO, VA 23168-9624
Document Number	0000018319
Instrument Date	Nov 6, 2018
Instrument	18319
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8401 CROAKER RD WILLIAMSBURG VA 231886708, WILLIAMSBURG, VA 23188-6708

Tax Assessment & Valuation

The 2025 property tax bill for 3611 Splitwood Rd was $3,124, up 6.4% from the year before.

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	$3,124.00 (+6.4%)	$376,500 Land $70,900 Building $305,600	$376,500 Land $70,900 Building $305,600
2024	$2,936.00 (+5.2%)
2023	$2,791.00	$336,300 Land $67,500 Building $268,800	$336,300 Land $67,500 Building $268,800
2022	$2,791.00
2019	$567.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3611 Splitwood Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 3611 Splitwood Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100

Cell Coverage

4G LTE (outdoors only), no 5G reported

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