James City County property record for 4028 E Providence Rd, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,135 sqft · built 2003 |
| Lot Size | 0.435 acres (18,992 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,165 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-3 16-0-0045 |
| Primary APN | 38-3 16-0-0045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,135 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 18,992 sqft (0.435 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 51 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 26761 |
|---|---|
| Street Address | 4028 E PROVIDENCE RD |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-2783 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDENTIAL PLANNED CO |
| Legal Description | L-45 PH-6B POWHATAN SECONDARY |
| Legal Subdivision | POWHATAN SECONDARY |
| Legal Phase | 6B |
| Legal Lot Number | 45 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | JAMESTOWN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 80209 |
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 |
|---|---|
| Mailing Address | 4028 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2783 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 5, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2010 |
| Deed Sale | Nov 24, 2010 |
| Deed Document Number | 100025319 |
| Prior Transfer Date | Oct 27, 2003 |
| Prior Transfer Doc | 300033055 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4028 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2783 |
| Document Number | 0000006036 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4028 E PROVIDENCE RD WILLIAMSBURG VA 231882783, WILLIAMSBURG, VA 23188-2783 |
| Document Number | 0000006036 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 6036 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 30, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4028 E PROVIDENCE RD, WILLIAMSBURG, VA 23188-2783 |
| Document Number | 0000017749 |
| Instrument Date | Sep 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0000017749 |
|---|---|
| Date | Sep 7, 2017 |
| Instrument | 17749 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.18% |
Source: James City County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | James City County |
| Unified School District | James City County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,165.00 (+6.41%) | $622,400 (+36.43%) Land $110,800 Building $511,600 | $622,400 (+36.43%) Land $110,800 Building $511,600 |
| 2024 | $4,854.00 (+28.21%) | ||
| 2023 | $3,786.00 | $456,200 Land $82,200 Building $374,000 | $456,200 Land $82,200 Building $374,000 |
| 2022 | $3,786.00 (+5.67%) | ||
| 2019 | $3,583.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 130 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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