41 James Sq, Williamsburg, VA 23185 Property Records

James City County property record for 41 James Sq, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,077 sqft · built 1986
Lot Size	0.073 acres (3,180 sqft)
Owner	2 Individual Names on File
Last Sale	$144,000 (Sep 2018)
Tax Bill	$1,625 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-1 11-0-0041`

Property Details

APN / Parcel Number

Primary APN	`48-1 11-0-0041`
Alternative APN	`20697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,077 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	3,180 sqft (0.073 acres)

Exterior Amenities

Porch	Porch
Porch Area	20 sqft
Deck Area	124 sqft
Patio Area	124 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	20697
Street Address	41 JAMES SQ
City	WILLIAMSBURG
State	VA
Zip	23185-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5 MULTIFAMILY RESIDENTIA
Legal Description	L-41 S-2 JAMES SQUARE
Legal Subdivision	JAMES SQUARE
Legal Lot Number	41
Jurisdiction	JAMES CITY VA
Township / Civil Division	ROBERTS
Census Block Group	2
Census Block	2002
Census Tract	80203

Owner

41 James Sq is owned and occupied by two individuals who bought it in September 2018.

Source: James City County records, as of November 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	41 JAMES SQ, WILLIAMSBURG, VA 23185-3347
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
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU
May 12, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 6, 2018	Warranty Deed, Transfer · Conventional with PMI FULTON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Prior Sale	Jul 3, 2013 · Amount on File
Deed Document Number	180014210
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	41 JAMES SQ, WILLIAMSBURG, VA 23185-3347
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202601685
Date	Feb 11, 2026
Instrument	202601685

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Feb 10, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	41 JAMES SQ, WILLIAMSBURG, VA 23185-3347
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	LAWYERS TITLE SERVICES LLC, LAWYERS TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202304523
Date	May 12, 2023
Instrument	202304523

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 6, 2018
Property Address	41 JAMES SQ, WILLIAMSBURG, VA 23185-3347
Document Number	0000014210
Instrument Date	Sep 4, 2018
Instrument	14210
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 JAMES SQ WILLIAMSBURG VA 231853347, WILLIAMSBURG, VA 23185-3347

Mortgage

Document Number	14211
Date	Sep 6, 2018
Instrument	14211

Lender

Name	FULTON BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 41 James Sq was $1,625, up 6.4% from the year before.

Source: James City County assessment roll, as of January 1, 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	$1,625.00 (+6.42%)	$195,800 Land $40,400 Building $155,400	$195,800 Land $40,400 Building $155,400
2024	$1,527.00 (+12.61%)
2023	$1,356.00	$163,400 Land $36,000 Building $127,400	$163,400 Land $36,000 Building $127,400
2022	$1,356.00
2019	$1,214.00

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

Flood

FEMA maps place 41 James Sq in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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 File median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 41 James Sq is low, with a 0.01% 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	0.01% 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.

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 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Glo Fiber, T-Mobile.

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