412 Cobble Stone, Williamsburg, VA 23185 Property Records

York County property record for 412 Cobble Stone, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,847 sqft · built 2010
Lot Size	2.77 acres (120,661 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2018)
Tax Bill	$3,319 (2025)
Deeds & Mortgages	Jun 2021 Refinance Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`G14A-1020-3075`

Property Details

APN / Parcel Number

Primary APN	`G14A-1020-3075`
Alternative APNs	`120003425` `10015481`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,847 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	120,661 sqft (2.77 acres)
Garage Type	Mixed
Garage Area	872 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	10015481
Street Address	412 COBBLE STONE
City	WILLIAMSBURG
State	VA
Zip	23185-5485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIGH DENSI
Legal Description	COBBLE CREEK SEC 2 LOT 60
Legal Subdivision	COBBLE CREEK
Legal Lot Number	60
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	51100

Owner

Source: York 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	Individual Name on Record
Mailing Address	412 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Dec 13, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Apr 15, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on Record
Deed Sale	Dec 13, 2018 · Amount on Record
Deed Document Number	201822579
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	412 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011976
Date	Jun 15, 2021
Instrument	210011976

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Dec 13, 2018
Property Address	412 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Document Number	0000022579
Instrument Date	Nov 28, 2018
Instrument	180022579
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	WATERSIDE TITLLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	412 COBBLE STONE, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000022580
Date	Dec 13, 2018
Instrument	180022580

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	412 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Document Number	0000007705
Instrument Date	Apr 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 COBBLE STONE WILLIAMSBURG VA 231855485, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000007705
Date	May 2, 2017
Instrument	7705

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: York County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	York County
Unified School District	York County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$425,500 (+26.83%) Land $121,900 Building $303,600
2025	$3,319.00 (+28.49%)		$425,500 (+26.83%) Land $121,900 Building $303,600
2023	$2,583.00	$335,500 Land $112,000 Building $223,500	$335,500 Land $112,000 Building $223,500

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 26, 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 7 (15% premium discount)
Nearby Flood Policies	6 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	Direct burnable vegetation

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	NELSON PARK private · serves 530 people · EPA ID VA3199510
Water Source	Purchased surface water from CITY OF NEWPORT NEWS
Last State Inspection	Aug 2025
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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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