4117 Stith Ln, Toano, VA 23168 Property Records

James City County property record for 4117 Stith Ln, Toano, VA 23168

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on File
Last Sale	$489,290 (Sep 2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-4 11-0-0077`

Property Details

APN / Parcel Number

Primary APN	`05-4 11-0-0077`
Alternative APN	`37199`

Exterior

Lot Area	6,050 sqft (0.139 acres)

Location & Zoning

Account Number	37199
Street Address	4117 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-77 PH-1 S-1 TRACT 11A STONEHOUSE
Legal Subdivision	STONEHOUSE
Legal Phase	1
Legal Tract	11
Legal Lot Number	77
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1016
Census Tract	80404

Owner

4117 Stith Ln, residential vacant land, is owned and occupied by two individuals who bought it in September 2026.

Source: James City County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4117 STITH LN, TOANO, VA 23168-9560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE INC
Feb 24, 2026	Deed, Transfer
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	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Prior Sale	Feb 24, 2026 · Amount on File
Deed Document Number	202611549
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 10, 2026
Property Address	4117 STITH LN, TOANO, VA 23168-9560
Document Number	0000011549
Instrument Date	Sep 8, 2026
Instrument	202611549
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,418.29
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	4117 STITH LN, TOANO, VA 23168-9560

Mortgage

Document Number	0000011550,
Date	Sep 10, 2026
Instrument	202611550

Lender

Name	MORTGAGE INC

Agreement

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

Interest

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

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 24, 2026
Property Address	4117 STITH LN, TOANO, VA 23168-9560
Document Number	0202602215
Instrument Date	Feb 17, 2026
Instrument	202602215
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount on Record
Tax	$532.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 DISCOVERY PARK BLVD STE 207, 207, 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	4117 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 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
Address	1100 BOULDERS PKWY STE 700, 700, NORTH CHESTERFIELD, VA 23225-4052
Investor	Possibly a Property Investor

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 5, 2025
Property Address	4117 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 on Record
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 on Record

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	4117 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 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
Address	1100 BOUKLERS PARKWAY #700 # 700, 700, DENVER, CO 80202
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	4117 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	Assessed Value	Assessed Market Value
2025	$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

FEMA maps place 4117 Stith Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4117 Stith Ln is low, with a 0.02% 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	0.02% 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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