4097 S Riverside Dr, Lanexa, VA 23089 Property Records

James City County property record for 4097 S Riverside Dr, Lanexa, VA 23089

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,311 sqft · built 2022
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jan 2022)
Tax Bill	$9,522 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19-1 05-0-0032`

Property Details

APN / Parcel Number

Primary APN	`19-1 05-0-0032`
Alternative APN	`2855`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,311 sqft Living Area
Basement Area	656 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	656 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2855
Street Address	4097 S RIVERSIDE DR
City	LANEXA
State	VA
Zip	23089-9415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL
Legal Description	L-32 S-4 CHICKAHOMINY HAVEN
Legal Subdivision	CHICKAHOMINY HAVEN
Legal Lot Number	32
Jurisdiction	JAMES CITY VA
Township / Civil Division	POWHATAN
Census Block Group	1
Census Block	1022
Census Tract	80306

Owner

Source: James City County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3021 N RIVERSIDE DR, LANEXA, VA 23089-9404
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED
Jan 14, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS & FARMERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Deed Document Number	2022653
Prior Transfer Date	Jan 12, 2022
Prior Transfer Doc	0202200653
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4097 S RIVERSIDE DR, LANEXA, VA 23089-9415
Transaction Type	Mortgage
Record Updated	Mar 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202302269
Date	Mar 9, 2023
Instrument	202302269

Lender

Name	NEWPORT NEWS SHIPBUILDING EMPLOYEES CRED

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 3, 2048

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 14, 2022
Property Address	4097 S RIVERSIDE DR, LANEXA, VA 23089-9415
Document Number	0202200653
Instrument Date	Jan 12, 2022
Instrument	202200653
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3021 N RIVERSIDE DR, LANEXA, VA 23089-9404

Mortgage

Document Number	0202200654
Date	Jan 14, 2022
Instrument	202200654

Lender

Name	CITIZENS & FARMERS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$9,522.00 (+98.42%)	$1,147,300 (+42.97%) Land $249,300 Building $898,000	$1,147,300 (+42.97%) Land $249,300 Building $898,000
2023		$802,500 Land $249,900 Building $552,600	$802,500 Land $249,900 Building $552,600
2022	$4,799.00 (+128.63%)
2019	$2,099.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 147 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	147 in force
Nearby Flood Claims	14 (2003–2024)
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 claims

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 99.1% of the US · lower than 99.6% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	THE COLONIES serves 548 people · EPA ID VA4127115
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	3 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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