3709 Chartstone Cres, Williamsburg, VA 23188 Property Records

James City County property record for 3709 Chartstone Cres, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,754 sqft · built 2010
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$589,000 (Aug 2019)
Tax Bill	$5,769 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-3 02-0-0324`

Property Details

APN / Parcel Number

Primary APN	`36-3 02-0-0324`
Alternative APN	`30920`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,754 sqft Living Area
Basement Area	1,503 sqft
Finished Basement	1,220 sqft
Unfinished Basement	283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Deck Area	192 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	30920
Street Address	3709 CHARTSTONE CRES
City	WILLIAMSBURG
State	VA
Zip	23188-2005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-324 PH-6 GREENSPRINGS WEST
Legal Subdivision	GREENSPRINGS WEST
Legal Phase	6
Legal Lot Number	324
Jurisdiction	JAMES CITY VA
Township / Civil Division	BERKELEY
Census Block Group	2
Census Block	2011
Census Tract	80304

Owner

3709 Chartstone Cres is owned and occupied by two individuals who bought it in August 2019.

Source: James City County records, as of June 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3709 CHARTSTONE CRES, WILLIAMSBURG, VA 23188-2005
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 1, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Prior Sale	Jun 3, 2010 · Amount on File
Deed Document Number	201911075
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3709 CHARTSTONE CRES, WILLIAMSBURG, VA 23188-2005
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	CORPORATE SETTLEMENT SOLUTIONS, CORPORATE STLMT SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 CHARTSTONE CRES, WILLIAMSBURG, VA 23188-2005

Mortgage

Document Number	0202514089
Date	Oct 2, 2025
Instrument	202514089

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3709 CHARTSTONE CRES, WILLIAMSBURG, VA 23188-2005
Document Number	0000020905
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 CHARTSTONE CRES WILLIAMSBURG VA 231882005, WILLIAMSBURG, VA 23188-2005

Mortgage

Document Number	0000020905
Date	Dec 2, 2020
Instrument	20905

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Aug 1, 2019
Property Address	3709 CHARTSTONE CRES, WILLIAMSBURG, VA 23188-2005
Document Number	0000011075
Instrument Date	Jul 16, 2019
Instrument	11075
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 CHARTSTONE CRES WILLIAMSBURG VA 231882005, WILLIAMSBURG, VA 23188-2005

Mortgage

Document Number	11076
Date	Aug 1, 2019
Instrument	11076

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3709 Chartstone Cres was $5,769, 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	$5,769.00 (+6.42%)	$695,100 Land $100,300 Building $594,800	$695,100 Land $100,300 Building $594,800
2024	$5,421.00 (+12.24%)
2023	$4,830.00	$582,000 Land $81,400 Building $500,600	$582,000 Land $81,400 Building $500,600
2022	$4,830.00
2019	$3,776.00

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

Flood

FEMA maps place 3709 Chartstone Cres 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

Wildfire risk around 3709 Chartstone Cres 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	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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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