437 Zelkova Rd, Williamsburg, VA 23185 Property Records

Williamsburg City property record for 437 Zelkova Rd, Williamsburg, VA 23185

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,930 sqft · built 2000
Owner	Individual Name on Record
Last Sale	$240,000 (Nov 2018)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Aug 2020 Refinance Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`439-(07)-03-038`

Property Details

APN / Parcel Number

Primary APN	`439-(07)-03-038`
Alternative APN	`3022.197.380`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,930 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Brick
Foundation Type	Brick
Roof Material	Shingle
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	437 ZELKOVA RD
City	WILLIAMSBURG
State	VA
Zip	23185-4364
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-1 (MULTI-FAMILY DWELLI
Legal Description	WYNDHAM PLANTATION CONDOMINIUN PHASE III UNIT 38
Legal Subdivision	WYNDHAM PLANTATION (CONDO)
Legal Phase	3
Legal Block	03
Legal Unit	38
Jurisdiction	WILLIAMSBURG CITY VA
Township / Civil Division	WILLIAMSBURG
Census Block Group	2
Census Block	2004
Census Tract	370200

Owner

Source: Williamsburg City records, as of January 12, 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
Co-owner	Co-owner on Record
Mailing Address	437 ZELKOVA RD, WILLIAMSBURG, VA 23185-4364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 2, 2018	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Deed Document Number	186030
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILLIAMSBURG CITY VA
Property Address	437 ZELKOVA RD, WILLIAMSBURG, VA 23185-4364
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203407
Date	Aug 19, 2020
Instrument	203407

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.63%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	Nov 2, 2018
Property Address	437 ZELKOVA RD, WILLIAMSBURG, VA 23185-4364
Document Number	0000186030
Instrument Date	Oct 18, 2018
Instrument	186030
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	NOT AVAILABLE, 1ST COMMONWEALTH TITLE&STLMT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	437 ZELKOVA RD, WILLIAMSBURG, VA 23185-4364

Mortgage

Document Number	0000186031
Date	Nov 2, 2018
Instrument	186031

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Williamsburg City assessment roll, as of June 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Williamsburg City
Unified School District	Williamsburg City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,150.00 (+33.13%)	$346,900 (+33.17%) Land $17,100 Building $329,800	$346,900 (+33.17%) Land $17,100 Building $329,800
2023	$1,615.00	$260,500 Land $17,100 Building $243,400	$260,500 Land $17,100 Building $243,400

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 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
Nearby Flood Claims	3 (1978–1989)
Most Recent Claim	Aug 1989 · river or lake flooding

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 232 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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