3841 Cluster Way, Williamsburg, VA 23188 Property Records

James City County property record for 3841 Cluster Way, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,131 sqft · built 1995
Lot Size	0.208 acres (9,104 sqft)
Owner	Individual Name on Record
Tax Bill	$3,473 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`38-3 08-0-0006`

Property Details

APN / Parcel Number

Primary APN	`38-3 08-0-0006`
Alternative APN	`18047`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,131 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	9,104 sqft (0.208 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18047
Street Address	3841 CLUSTER WAY
City	WILLIAMSBURG
State	VA
Zip	23188-7878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-6 THE CLUSTERS POWHATAN OF WMSBURG SECONDARY
Legal Subdivision	POWHATAN SECONDARY
Legal Lot Number	6
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2009
Census Tract	80307

Owner

Source: James City County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3841 CLUSTER WAY, WILLIAMSBURG, VA 23188-7878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 13, 2021
Transfer Doc	0210020284
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3841 CLUSTER WAY, WILLIAMSBURG, VA 23188-7878
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210016177
Date	Aug 6, 2021
Instrument	210016177

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Oct 13, 2021
Property Address	3841 CLUSTER WAY, WILLIAMSBURG, VA 23188-7878
Document Number	210020284
Instrument Date	Jul 30, 2021
Instrument	210020284
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 CLUSTER WAY, WILLIAMSBURG, VA 23188-7878

Tax Assessment & Valuation

Source: James City County assessment roll, as of January 1, 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	$3,473.00 (+6.4%)	$418,500 (+37.17%) Land $83,400 Building $335,100	$418,500 (+37.17%) Land $83,400 Building $335,100
2024	$3,264.00 (+28.91%)
2023	$2,532.00	$305,100 Land $66,000 Building $239,100	$305,100 Land $66,000 Building $239,100
2022	$2,532.00 (+11.15%)
2019	$2,278.00

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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% 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 442 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: Glo Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cluster Way

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