James City County property record for 4045 Frances Berkeley, Williamsburg, VA 23188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,849 sqft · built 1998 |
| Lot Size | 0.352 acres (15,333 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Mar 2026) |
| Tax Bill | $4,791 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Mar 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-4 03-0-0021 |
| Primary APN | 36-4 03-0-0021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,849 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 15,333 sqft (0.352 acres) |
| Garage Type | Attached |
| Garage Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 408 sqft |
| Patio Area | 408 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5584 |
|---|---|
| Street Address | 4045 FRANCES BERKELEY |
| City | WILLIAMSBURG |
| State | VA |
| Zip | 23188-1399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 RESIDEN |
| Legal Description | L-21 PH-2 GREENSPRINGS PLANTATION SINGLE FAMILY |
| Legal Subdivision | GREENSPRINGS PLANTATION |
| Legal Phase | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | JAMES CITY VA |
| Township / Civil Division | BERKELEY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 80307 |
Source: James City County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 23, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage FULTON BANK NA |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 14, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Mar 5, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on Record |
| Deed Sale | Mar 23, 2026 · Amount on Record |
| Prior Sale | Nov 14, 2013 · Amount on Record |
| Deed Document Number | 20263418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202305750 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 202305750 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2043 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Recording Date | Mar 23, 2026 |
| Property Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0202603418 |
| Map Reference | MB 63 PG 60-65 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 202603418 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0202603420 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 202603420 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000019492 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4045 FRANCES BERKELEY WILLIAMSBURG VA 231881399, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000019492 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 19492 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 9, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000015963 |
| Instrument Date | Oct 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4045 FRANCES BERKELEY WILLIAMSBURG VA 231881399, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000015963 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 15963 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JAMES CITY VA |
| Property Address | 4045 FRANCES BERKELEY, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000003616 |
| Instrument Date | Mar 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2019 |
| Name | Verified Name |
|---|---|
| Address | 4045 FRANCES BERKELEY WILLIAMSBURG VA 231881399, WILLIAMSBURG, VA 23188-1399 |
| Document Number | 0000003616 |
|---|---|
| Date | Mar 15, 2019 |
| Instrument | 3616 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: James City County assessment roll, as of October 14, 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 | $4,791.00 (+14.32%) | $577,300 (+14.32%) Land $151,500 Building $425,800 | $577,300 (+14.32%) Land $151,500 Building $425,800 |
| 2023 | $505,000 Land $116,100 Building $388,900 | $505,000 Land $116,100 Building $388,900 | |
| 2022 | $4,191.00 (+14.29%) | ||
| 2019 | $3,667.00 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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