521 Carters Neck Rd, Williamsburg, VA 23188 Property Records

York County property record for 521 Carters Neck Rd, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,039 sqft · built 1995
Lot Size	3.27 acres (142,441 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Feb 2024)
Tax Bill	$3,825 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`E20C-2121-0608`

Property Details

APN / Parcel Number

Primary APN	`E20C-2121-0608`
Alternative APNs	`120009944` `10018596`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,039 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Shingle
Lot Area	142,441 sqft (3.27 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10018596
Street Address	521 CARTERS NECK RD
City	WILLIAMSBURG
State	VA
Zip	23188-2263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL RESI
Legal Description	TWIN OAKS SUBDIV PARCEL 7
Legal Subdivision	TWIN OAKS
Jurisdiction	YORK VA
Township / Civil Division	1
Census Block Group	1
Census Block	1019
Census Tract	51000

Owner

Source: York County records, as of October 16, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2803 W 167TH ST, TORRANCE, CA 90504-2142
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 4, 2020	Deed of Trust, Mortgage · ARM BAYPORT CREDIT UNION
Sep 20, 2021	Deed of Trust, Mortgage · Line of Credit BAYPORT CREDIT UNION
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Deed Document Number	20242607
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YORK VA
Recording Date	Feb 29, 2024
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Document Number	0000002607
Instrument Date	Feb 22, 2024
Instrument	240002607
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	2803 W 167TH ST, TORRANCE, CA 90504-2142

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012565
Date	Jul 18, 2022
Instrument	220012565

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jul 6, 2034

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009698
Date	Jun 26, 2019
Instrument	190009698

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST VIRGINIA TITLE&ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014693
Date	Sep 4, 2020
Instrument	200014693

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019176
Date	Sep 20, 2021
Instrument	210019176

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Sep 10, 2033

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YORK VA
Property Address	521 CARTERS NECK RD, WILLIAMSBURG, VA 23188-2263
Document Number	0000014853
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014853
Date	Aug 6, 2018
Instrument	14853

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.63%

Tax Assessment & Valuation

Source: York County assessment roll, as of October 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		$490,400 (+49.79%) Land $114,000 Building $376,400
2025	$3,825.00 (+51.79%)		$490,400 (+49.79%) Land $114,000 Building $376,400
2023	$2,520.00	$327,400 Land $84,800 Building $242,600	$327,400 Land $84,800 Building $242,600

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	7 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And 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	0.04% 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 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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