4108 Stith Ln, Toano, VA 23168 Property Records

James City County property record for 4108 Stith Ln, Toano, VA 23168

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,050 sqft)
Owner	Individual Name on Record
Last Sale	$496,140 (May 2026)
Tax Bill	$565 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-4 11-0-0081`

Property Details

APN / Parcel Number

Primary APN	`05-4 11-0-0081`
Alternative APN	`37203`

Exterior

Lot Area	6,050 sqft (0.139 acres)

Location & Zoning

Account Number	37203
Street Address	4108 STITH LN
City	TOANO
State	VA
Zip	23168-9560
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	PUDR PLANN
Legal Description	L-81 PH-1 S-1 TRACT 11A STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	1
Legal Tract	11A
Legal Lot Number	81
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1016
Census Tract	80404

Owner

Source: James City County records, as of July 7, 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	4108 STITH LN, TOANO, VA 23168-9560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed · Conventional Mortgage NVT MORTGAGE FINANCE INC
Jan 9, 2026	Deed, Transfer NVR SETTLEMENT SERVICES INC
Dec 5, 2025	Land Contract, Transfer
Dec 5, 2025	Deed, Transfer · Line of Credit WESTERN ALLIANCE BANK
Dec 5, 2025	Land Contract, Transfer
Dec 5, 2025	Assignment of Agreement of Sale, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Jan 9, 2026 · Amount on Record
Deed Document Number	20266050
Record Updated	Sep 20, 2026

May 2026: Deed

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 20, 2026
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0000006050
Instrument Date	May 18, 2026
Instrument	20266050
Record Updated	Jun 4, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,110.14
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 STITH LN, TOANO, VA 23168-9560

Mortgage

Document Number	0000006051,
Date	May 20, 2026
Instrument	20266051

Lender

Name	NVT MORTGAGE FINANCE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 9, 2026
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0202600298
Instrument Date	Jan 6, 2026
Instrument	202600298
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$664.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 DISCOVERY PARK BLVD, WILLIAMSBURG, VA 23188-2882
Investor	Possibly a Property Investor

December 2025: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	JAMES CITY VA
Recording Date	Dec 5, 2025
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0202516825
Instrument Date	Nov 25, 2025
Instrument	202516825
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 BOUKLERS PARKWAY #700 # 700, 700, DENVER, CO 80202
Investor	Possibly a Property Investor

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 5, 2025
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0202516824
Map Reference	DOC 202506907
Instrument Date	Nov 25, 2025
Instrument	202516824
Transaction Type	Transfer
Record Updated	Dec 30, 2025

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0202516822
Date	Dec 5, 2025
Instrument	202516822

Lender

Name	WESTERN ALLIANCE BANK
Type	Bank
Address	PHOENIX, AZ 85004

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	JAMES CITY VA
Recording Date	Dec 5, 2025
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0202516853
Instrument Date	Nov 25, 2025
Instrument	202516853
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 BOULDERS PKWY STE 700, 700, NORTH CHESTERFIELD, VA 23225-4052
Investor	Possibly a Property Investor

December 2025: Assignment of Agreement of Sale, Transfer

Document Type	Assignment of Agreement of Sale
Jurisdiction	JAMES CITY VA
Recording Date	Dec 5, 2025
Property Address	4108 STITH LN, TOANO, VA 23168-9560
Document Number	0202516823
Instrument Date	Nov 25, 2025
Instrument	202516823
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 PARK AVE RM 1202, 1202, NEW YORK, NY 10022-7096

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 BOULDERS PKWY STE 700, 700, NORTH CHESTERFIELD, VA 23225-4052
Investor	Possibly a Property Investor

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	$565.00	$68,100 Land $68,100	$68,100 Land $68,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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	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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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