408 Cobble Stone, Williamsburg, VA 23185 Property Records

York County property record for 408 Cobble Stone, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,160 sqft · built 1993
Lot Size	0.654 acres (28,488 sqft)
Owner	Individual Name on Record
Last Sale	$393,000 (Apr 2024)
Tax Bill	$3,374 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`G14A-0779-3304`

Property Details

APN / Parcel Number

Primary APN	`G14A-0779-3304`
Alternative APNs	`120003427` `10015483`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,488 sqft (0.654 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	210 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	10015483
Street Address	408 COBBLE STONE
City	WILLIAMSBURG
State	VA
Zip	23185-5485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIGH DENSI
Legal Description	COBBLE CREEK SEC 2 LOT 62
Legal Subdivision	COBBLE CREEK
Legal Lot Number	62
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	51100

Owner

Source: York County records, as of June 16, 2026

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	408 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Warranty Deed, Transfer · Conventional Mortgage TOPONE MORTGAGE INC
Dec 15, 2021	Deed of Trust, Mortgage · VA Mortgage NETWORK CAPITAL FUNDING CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Feb 3, 2016 · Amount on Record
Deed Document Number	20244536
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Apr 8, 2024
Property Address	408 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Document Number	0000004536
Instrument Date	Apr 2, 2024
Instrument	240004536
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

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	408 COBBLE STONE, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000004537
Date	Apr 8, 2024
Instrument	240004537

Lender

Name	TOPONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	408 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024890
Date	Dec 15, 2021
Instrument	210024890

Lender

Name	NETWORK CAPITAL FUNDING CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: York County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	York County
Unified School District	York County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$432,500 (+32.26%) Land $104,500 Building $328,000
2025	$3,374.00 (+34.05%)		$432,500 (+32.26%) Land $104,500 Building $328,000
2023	$2,517.00	$327,000 Land $95,800 Building $231,200	$327,000 Land $95,800 Building $231,200

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 26, 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 7 (15% premium discount)
Nearby Flood Policies	6 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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	NELSON PARK private · serves 530 people · EPA ID VA3199510
Water Source	Purchased surface water from CITY OF NEWPORT NEWS
Last State Inspection	Aug 2025
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 418 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
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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