4100 Whitley Ter, Williamsburg, VA 23188 Property Records

James City County property record for 4100 Whitley Ter, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,034 sqft · built 2021
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Oct 2026)
Tax Bill	$3,767 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`23-3 06-0-0123`

Property Details

APN / Parcel Number

Primary APN	`23-3 06-0-0123`
Alternative APN	`35830`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,034 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	35830
Street Address	4100 WHITLEY TER
City	WILLIAMSBURG
State	VA
Zip	23188-7207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU MIXED U
Legal Description	L-123 PH-3 S-2C COLONIAL HERITAGE
Legal Subdivision	COLONIAL HERITAGE
Legal Phase	3
Legal Lot Number	123
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	3
Census Block	3006
Census Tract	80402

Owner

Source: James City County records, as of October 16, 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	4100 WHITLEY TER, WILLIAMSBURG, VA 23188-7207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage WELLS FARGO
Apr 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	202612756
Record Updated	Oct 29, 2026

October 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 1, 2026
Property Address	4100 WHITLEY TER, WILLIAMSBURG, VA 23188-7207
Document Number	0000012756
Instrument Date	Sep 25, 2026
Instrument	202612756
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 WHITLEY TER, WILLIAMSBURG, VA 23188-7207

Mortgage

Document Number	0000012757,
Date	Oct 1, 2026
Instrument	202612757

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 30, 2021
Property Address	4100 WHITLEY TER, WILLIAMSBURG, VA 23188-7207
Document Number	0210008893
Instrument Date	Apr 29, 2021
Instrument	210008893
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount Recorded
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	4100 WHITLEY TER, WILLIAMSBURG, VA 23188-7207

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	$3,767.00 (+6.41%)	$453,900 (+25.32%) Land $121,600 Building $332,300	$453,900 (+25.32%) Land $121,600 Building $332,300
2024	$3,540.00
2023		$362,200 Land $100,700 Building $261,500	$362,200 Land $100,700 Building $261,500
2022	$3,006.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 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	0.03% 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 177 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 / 35
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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