4308 Oak Tree Ln, Williamsburg, VA 23188 Property Records

James City County property record for 4308 Oak Tree Ln, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,108 sqft · built 2007
Lot Size	0.483 acres (21,083 sqft)
Owner	2 Owner Names on File
Tax Bill	$5,922 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-4 16-0-0049`

Property Details

APN / Parcel Number

Primary APN	`37-4 16-0-0049`
Alternative APN	`30286`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,108 sqft Living Area
Basement Area	2,424 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	21,083 sqft (0.483 acres)
Garage Type	Attached
Garage Area	910 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	392 sqft
Deck Area	547 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	30286
Street Address	4308 OAK TREE LN
City	WILLIAMSBURG
State	VA
Zip	23188-8046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDENTIAL PLANNED CO
Legal Description	L-49 P-7C POWHATAN SECONDARY
Legal Subdivision	POWHATAN SECONDARY
Legal Lot Number	49
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2003
Census Tract	80209

Owner

The current owner of 4308 Oak Tree Ln acquired it in January 2009.

Source: James City County records, as of November 17, 2025

Owner of Record	2 Owner Names on File
Mailing Address	4308 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Occupancy	Owner Occupied

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
Sep 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION
Jul 26, 2019	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU
Jan 6, 2017	Deed of Trust, Mortgage LANGLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 27, 2009
Transfer Doc	0000002855
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4308 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202214188
Date	Sep 27, 2022
Instrument	202214188

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4308 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210016001
Date	Aug 4, 2021
Instrument	210016001

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4308 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Document Number	0000011140
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 OAK TREE LN WILLIAMSBURG VA 231888046, WILLIAMSBURG, VA 23188-8046

Mortgage

Document Number	0000011140
Date	Aug 2, 2019
Instrument	11140

Lender

Name	LANGLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	204 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4308 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Document Number	0000000368
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 OAK TREE LN WILLIAMSBURG VA 231888046, WILLIAMSBURG, VA 23188-8046

Mortgage

Document Number	0000000368
Date	Jan 11, 2017
Instrument	368

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23606

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Interest

Rate	2.99%

Tax Assessment & Valuation

The 2025 property tax bill for 4308 Oak Tree Ln was $5,922, up 6.4% from the year before.

Source: James City County assessment roll, as of January 1, 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	$5,922.00 (+6.4%)	$713,600 Land $110,200 Building $603,400	$713,600 Land $110,200 Building $603,400
2024	$5,566.00 (+13.06%)
2023	$4,923.00	$593,200 Land $95,000 Building $498,200	$593,200 Land $95,000 Building $498,200
2022	$4,923.00
2019	$4,550.00

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

Flood

FEMA maps place 4308 Oak Tree 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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 4308 Oak Tree 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	None beyond ember reach

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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: Glo Fiber.

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