3972 Prospect St, Williamsburg, VA 23185 Property Records

Williamsburg City property record for 3972 Prospect St, Williamsburg, VA 23185

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,153 sqft · built 2018
Lot Size	0.072 acres (3,136 sqft)
Owner	Company Name on Record
Last Sale	$465,000 (Jun 2025)
Tax Bill	$2,783 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`590-(03)-2B-070`

Property Details

APN / Parcel Number

Primary APN	`590-(03)-2B-070`
Alternative APN	`2025.767.594`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,153 sqft Living Area
Gross Area	2,222 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Brick Veneer
Roof Material	Shingle
Lot Area	3,136 sqft (0.072 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	3972 PROSPECT ST
City	WILLIAMSBURG
State	VA
Zip	23185-4872
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	ED-C (ECON
Legal Description	VILLAGE GREEN N TOWNHOMES @ QUARTERPATH PH 2B LOT 70
Legal Subdivision	VILLAGE GREEN NORTH (TOWN HOME)
Legal Phase	2B
Legal Lot Number	70
Jurisdiction	WILLIAMSBURG CITY VA
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2001
Census Tract	370100

Owner

Source: Williamsburg City records, as of May 27, 2026

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	3972 PROSPECT ST, WILLIAMSBURG, VA 23185-4872
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 21, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ETHOS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Prior Sale	May 21, 2018 · Amount on Record
Deed Document Number	20251799
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	May 13, 2026
Property Address	3972 PROSPECT ST, WILLIAMSBURG, VA 23185-4872
Document Number	0000001531
Instrument Date	May 8, 2026
Instrument	20261531
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	9620 WOODEDGE DR, BURKE, VA 22015-3016

Mortgage

Document Number	0000001531,
Date	May 13, 2026
Instrument	20261531

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSBURG CITY VA
Property Address	3972 PROSPECT ST, WILLIAMSBURG, VA 23185-4872
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203119
Date	Jul 17, 2020
Instrument	203119

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	May 21, 2018
Property Address	3972 PROSPECT ST, WILLIAMSBURG, VA 23185-4872
Document Number	0000182881
Instrument Date	May 18, 2018
Instrument	182881
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2022
Title Company	ADVANCE TITLE AND ABSTRACT, ADVANCE TITLE & ABSTRACT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 PROSPECT ST, WILLIAMSBURG, VA 23185-4872

Mortgage

Document Number	0000182882
Date	May 21, 2018
Instrument	182882

Lender

Name	ETHOS LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Williamsburg City assessment roll, as of January 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Williamsburg City
Unified School District	Williamsburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,783.00 (+9.35%)	$448,900 (+9.33%) Land $78,600 Building $370,300	$448,900 (+9.33%) Land $78,600 Building $370,300
2023	$2,545.00	$410,600 Land $78,600 Building $332,000	$410,600 Land $78,600 Building $332,000

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2012 · rainfall accumulation

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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