4224 Old Lock Rd, Williamsburg, VA 23188 Property Records

James City County property record for 4224 Old Lock Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,668 sqft · built 2007
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on File
Last Sale	$345,000 (Sep 2018)
Tax Bill	$4,106 (2025)
Deeds & Mortgages	Feb 2024 Transfer Mar 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`23-4 15-0-0047`

Property Details

APN / Parcel Number

Primary APN	`23-4 15-0-0047`
Alternative APN	`29771`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,668 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	29771
Street Address	4224 OLD LOCK RD
City	WILLIAMSBURG
State	VA
Zip	23188-7289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU MIXED U
Legal Description	L-47 PH-2 S-2 COLONIAL HERITAGE
Legal Subdivision	COLONIAL HERITAGE
Legal Phase	2
Legal Lot Number	47
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	3
Census Block	3000
Census Tract	80402

Owner

4224 Old Lock Rd is owned by a company that acquired it in February 2024.

Source: James City County records, as of November 18, 2025

Owner of Record	2 Company Names on File
Mailing Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Owner Type	Company
Vesting	Life Tenant

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

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Intrafamily Transfer, Transfer
Mar 6, 2023	Deed of Trust, Mortgage · Unknown NAVY FEDERAL CREDIT UNION
May 26, 2020	Deed of Trust, Mortgage · Conventional with PMI NORTH AMERICAN SVGS BK
Aug 7, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SVGS BK
Sep 27, 2018	Warranty Deed, Transfer · Conventional with PMI NORTH AMERICAN SVGS BK
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on File
Deed Sale	Sep 27, 2018 · Amount on File
Prior Sale	Jul 28, 2017 · Amount on File
Deed Document Number	201815432
Last Transfer Date	Feb 8, 2024
Transfer Doc	0202402080
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Feb 8, 2024
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Document Number	0202402080
Instrument Date	Feb 8, 2024
Instrument	202402080
Transaction Type	Transfer
Record Updated	Feb 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202302159
Date	Mar 6, 2023
Instrument	202302159

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Unknown
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Document Number	0000007746
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4224 OLD LOCK RD WILLIAMSBURG VA 231887289, WILLIAMSBURG, VA 23188-7289

Mortgage

Document Number	0000007746
Date	Jun 1, 2020
Instrument	7746

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Document Number	0000011922
Instrument Date	Aug 7, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4224 OLD LOCK RD WILLIAMSBURG VA 231887289, WILLIAMSBURG, VA 23188-7289

Mortgage

Document Number	0000011922
Date	Aug 20, 2019
Instrument	11922

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 19, 2049

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Sep 27, 2018
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Document Number	0000015432
Instrument Date	Sep 17, 2018
Instrument	15432
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4224 OLD LOCK RD WILLIAMSBURG VA 231887289, WILLIAMSBURG, VA 23188-7289

Mortgage

Document Number	15433
Date	Sep 27, 2018
Instrument	15433

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 28, 2017
Property Address	4224 OLD LOCK RD, WILLIAMSBURG, VA 23188-7289
Document Number	0000014918
Instrument Date	Jul 19, 2017
Instrument	14918
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4224 OLD LOCK RD WILLIAMSBURG VA 231887289, WILLIAMSBURG, VA 23188-7289

Mortgage

Document Number	14919
Date	Jul 28, 2017
Instrument	14919

Lender

Name	M&T BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4224 Old Lock Rd was $4,106, up 6.4% from the year before.

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	$4,106.00 (+6.4%)	$494,800 Land $110,500 Building $384,300	$494,800 Land $110,500 Building $384,300
2024	$3,859.00 (+13.9%)
2023	$3,388.00	$408,300 Land $91,500 Building $316,800	$408,300 Land $91,500 Building $316,800
2022	$3,388.00
2019	$2,855.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4224 Old Lock Rd 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4224 Old Lock Rd is low, with a 0.01% 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	0.01% 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	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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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