415 Cobble Stone, Williamsburg, VA 23185 Property Records

York County property record for 415 Cobble Stone, Williamsburg, VA 23185

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,708 sqft · built 1993
Lot Size	0.718 acres (31,276 sqft)
Owner	Individual Name on File
Last Sale	$377,000 (Jun 2023)
Tax Bill	$3,020 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`G14A-1164-3313`

Property Details

APN / Parcel Number

Primary APN	`G14A-1164-3313`
Alternative APNs	`120003424` `10015480`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,708 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,276 sqft (0.718 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10015480
Street Address	415 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 59
Legal Subdivision	COBBLE CREEK
Legal Lot Number	59
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	2
Census Block	2008
Census Tract	51100

Owner

Source: York County assessment roll, as of June 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 File
Mailing Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Jun 15, 2023	Warranty Deed, Transfer · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Apr 9, 2020	Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2023 · Amount on Record
Deed Sale	Jun 15, 2023 · Amount on Record
Prior Sale	Apr 9, 2020 · Amount on Record
Deed Document Number	20238425
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000018933
Date	Dec 22, 2025
Instrument	250018933

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Jun 15, 2023
Property Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Document Number	0000008425
Instrument Date	Jun 13, 2023
Instrument	230008425
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	NOT AVAILABLE, MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000008426
Date	Jun 15, 2023
Instrument	230008426

Lender

Name	RELIANCE FIRST CAPITAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025231
Date	Dec 21, 2021
Instrument	210025231

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	341 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Apr 9, 2020
Property Address	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485
Document Number	0000006085
Instrument Date	Mar 30, 2020
Instrument	200006085
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	ROCKET TITLE INC

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	415 COBBLE STONE, WILLIAMSBURG, VA 23185-5485

Mortgage

Document Number	0000006086
Date	Apr 9, 2020
Instrument	200006086

Lender

Name	OVM FINANCIAL INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: York County assessment roll, as of June 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		$387,200 (+34.91%) Land $105,500 Building $281,700
2025	$3,020.00 (+36.71%)		$387,200 (+34.91%) Land $105,500 Building $281,700
2023	$2,209.00	$287,000 Land $96,900 Building $190,100	$287,000 Land $96,900 Building $190,100

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NEWPORT NEWS serves 407,300 people · EPA ID VA3700500
Water Source	Surface water
Last State Inspection	Sep 2021
Lead	Under 1 ppb (2023–2025) 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)
Shenandoah Telecommunications Company 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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