3971 E Providence Rd, Williamsburg, VA 23188 Property Records

James City County property record for 3971 E Providence Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,138 sqft · built 2004
Lot Size	0.325 acres (14,157 sqft)
Owner	Company Name on Record
Tax Bill	$5,351 (2025)
Deeds & Mortgages	Nov 2023 Transfer Nov 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38-3 16-0-0014`

Property Details

APN / Parcel Number

Primary APN	`38-3 16-0-0014`
Alternative APN	`26198`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,138 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	14,157 sqft (0.325 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	51 sqft
Deck Area	247 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	26198
Street Address	3971 E PROVIDENCE RD
City	WILLIAMSBURG
State	VA
Zip	23188-2784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-14 PH-6A POWHATAN SECONDARY
Legal Subdivision	POWHATAN SECONDARY
Legal Phase	6A
Legal Lot Number	14
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2003
Census Tract	80209

Owner

Source: James City County records, as of November 18, 2025

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

Owner of Record	Company Name on Record
Mailing Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Intrafamily Transfer, Transfer
Nov 17, 2023	Intrafamily Transfer, Transfer
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Sep 11, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Oct 21, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2019
Deed Sale	Oct 21, 2019
Prior Sale	Dec 12, 2014 · Amount on Record
Deed Document Number	201915353
Last Transfer Date	Nov 15, 2023
Transfer Doc	0202312179
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Nov 17, 2023
Property Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Document Number	0202312179
Instrument Date	Nov 15, 2023
Instrument	202312179
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Nov 17, 2023
Property Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Document Number	0202312180
Instrument Date	Nov 15, 2023
Instrument	202312180
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	THE CLOSERS OF VIRGINIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003402
Date	Feb 22, 2021
Instrument	210003402

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2051

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Document Number	0000015356
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3971 E PROVIDENCE RD WILLIAMSBURG VA 231882784, WILLIAMSBURG, VA 23188-2784

Mortgage

Document Number	0000015356
Date	Sep 17, 2020
Instrument	15356

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

Interest

Rate Type	Fixed Rate
Rate	2.38%

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 21, 2019
Property Address	3971 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2784
Document Number	0000015353
Instrument Date	Jul 29, 2019
Instrument	15353
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	3225 MCLEOD DR #777 LAS VEGAS NV 891212257, 777, LAS VEGAS, NV 89121-2257

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	$5,351.00 (+6.42%)	$644,700 (+29.93%) Land $99,500 Building $545,200	$644,700 (+29.93%) Land $99,500 Building $545,200
2024	$5,028.00 (+22.1%)
2023	$4,118.00	$496,200 Land $82,200 Building $414,000	$496,200 Land $82,200 Building $414,000
2022	$4,118.00 (+15.29%)
2019	$3,572.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 93 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, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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