4309 Oak Tree Ln, Williamsburg, VA 23188 Property Records

James City County property record for 4309 Oak Tree Ln, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,851 sqft · built 2007
Lot Size	0.501 acres (21,824 sqft)
Owner	2 Trust Names on File
Last Sale	$820,000 (May 2026)
Tax Bill	$4,583 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-4 16-0-0045`

Property Details

APN / Parcel Number

Primary APN	`37-4 16-0-0045`
Alternative APN	`30282`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,851 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	21,824 sqft (0.501 acres)
Garage Type	Attached
Garage Area	545 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	131 sqft
Deck Area	Deck Area
Patio Area	105 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	30282
Street Address	4309 OAK TREE LN
City	WILLIAMSBURG
State	VA
Zip	23188-8046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4 RESIDEN
Legal Description	L-45 P-7C POWHATAN SECONDARY
Legal Subdivision	POWHATAN SECONDARY
Legal Lot Number	45
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	2
Census Block	2003
Census Tract	80209

Owner

4309 Oak Tree Ln is owner-occupied and held in a trust since May 2026.

Source: James City County records, as of June 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BK
May 8, 2026	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN
Oct 22, 2025	Transfer on Death Deed, Transfer
Oct 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jul 16, 2007 · Amount on File
Deed Document Number	20265487
Prior Transfer Date	Oct 21, 2025
Prior Transfer Doc	0202515004
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Jun 11, 2026
Property Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Document Number	0000007280
Instrument Date	Jun 8, 2026
Instrument	20267280
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046

Mortgage

Document Number	0000007280,
Date	Jun 11, 2026
Instrument	20267280

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	May 8, 2026
Property Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Document Number	0000005487
Instrument Date	Apr 30, 2026
Instrument	2026.5487
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Tax	$82,820.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	JAMES CITY VA
Recording Date	Oct 22, 2025
Property Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Document Number	0202515004
Instrument Date	Oct 21, 2025
Instrument	202515004
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202214533
Date	Oct 6, 2022
Instrument	202214533

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	4309 OAK TREE LN, WILLIAMSBURG, VA 23188-8046
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210024841
Date	Dec 22, 2021
Instrument	210024841

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 4309 Oak Tree Ln was $4,583, 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	$4,583.00 (+6.41%)	$552,200 Land $112,500 Building $439,700	$552,200 Land $112,500 Building $439,700
2024	$4,307.00 (+6.85%)
2023	$4,031.00 (+1.03%)	$492,600 Land $99,800 Building $392,800	$492,600 Land $99,800 Building $392,800
2022	$3,990.00
2019	$3,677.00

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

Flood

FEMA maps place 4309 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 4309 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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