4 Joy's Cir, Toano, VA 23168 Property Records

James City County property record for 4 Joy's Cir, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,770 sqft · built 1994
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (May 2022)
Tax Bill	$2,690 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-2 05-0-0007`

Property Details

APN / Parcel Number

Primary APN	`22-2 05-0-0007`
Alternative APN	`16471`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,770 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	312 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	16471
Street Address	4 JOYS CIR
City	TOANO
State	VA
Zip	23168-9043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-7 S-2 HUNTER'S CREEK
Legal Subdivision	HUNTERS CREEK
Legal Lot Number	7
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2005
Census Tract	80402

Owner

4 Joy's Cir is owned and occupied by an individual who bought it in May 2022.

Source: James City County records, as of May 7, 2026

Owner of Record	Individual Name on File
Mailing Address	4 JOYS CIR, TOANO, VA 23168-9043
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
May 17, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Feb 9, 2021	Warranty Deed, Transfer · USDA Mortgage USDA
May 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FCU
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on File
Deed Sale	May 17, 2022 · Amount on File
Prior Sale	Feb 9, 2021 · Amount on File
Deed Document Number	20227870
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 17, 2022
Property Address	4 JOYS CIR, TOANO, VA 23168-9043
Document Number	0202207870
Instrument Date	May 10, 2022
Instrument	202207870
Transaction Type	Transfer
Record Updated	Jun 1, 2022
Title Company	BARRISTERS OF OHIO, BARRISTERS OF VIRGINIA

Transaction

Amount	Amount on Record
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	4 JOYS CIR, TOANO, VA 23168-9043

Mortgage

Document Number	0202207871
Date	May 17, 2022
Instrument	202207871

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 9, 2021
Property Address	4 JOYS CIR, TOANO, VA 23168-9043
Document Number	0210002557
Instrument Date	Jan 18, 2021
Instrument	210002557
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002559
Date	Feb 9, 2021
Instrument	210002559

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	456 Months
Due	Feb 8, 2059

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4 JOYS CIR, TOANO, VA 23168-9043
Document Number	0000010140
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 JOYS CIR TOANO VA 231689043, TOANO, VA 23168-9043

Mortgage

Document Number	0000010140
Date	May 17, 2017
Instrument	10140

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2047

Interest

Rate	3.25%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4 JOYS CIR, TOANO, VA 23168-9043
Document Number	0000001754
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 JOYS CIR TOANO VA 231689043, TOANO, VA 23168-9043

Mortgage

Document Number	0000001754
Date	Jan 30, 2017
Instrument	1754

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jan 29, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 4 Joy's Cir was $2,690, up 6.5% 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	$2,690.00 (+6.45%)	$324,100 Land $62,800 Building $261,300	$324,100 Land $62,800 Building $261,300
2024	$2,527.00 (+4.59%)
2023	$2,416.00	$291,100 Land $57,500 Building $233,600	$291,100 Land $57,500 Building $233,600
2022	$2,416.00
2019	$1,847.00

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

Flood

FEMA maps place 4 Joy's Cir 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	1 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 4 Joy's Cir 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 80% of the US · lower than 71% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Joy's Cir

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