5346 Gardner Ct, Williamsburg, VA 23188 Property Records

James City County property record for 5346 Gardner Ct, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,645 sqft · built 1987
Lot Size	0.039 acres (1,699 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Feb 2017)
Tax Bill	$2,139 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-4 06-0-0022`

Property Details

APN / Parcel Number

Primary APN	`32-4 06-0-0022`
Alternative APN	`16134`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,645 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	1,699 sqft (0.039 acres)
Porch	Open Porch
Porch Area	56 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	16134
Street Address	5346 GARDNER CT
City	WILLIAMSBURG
State	VA
Zip	23188-1980
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5 MULTIFAMILY RESIDENTIA
Legal Description	L-22 S-4 CHISEL RUN
Legal Subdivision	CHISEL RUN
Legal Lot Number	22
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	1
Census Block	1009
Census Tract	80205

Owner

5346 Gardner Ct is owned and occupied by an individual who bought it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	5346 GARDNER CT, WILLIAMSBURG, VA 23188-1980
Occupancy	Owner Occupied
Owner Type	Individual

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 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 2, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Apr 19, 2019	Deed of Trust, Mortgage QUICKEN LNS
Feb 17, 2017	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2017 · Amount on File
Deed Sale	Feb 18, 2017 · Amount on File
Prior Sale	Feb 17, 2017
Deed Document Number	170003727
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5346 GARDNER CT, WILLIAMSBURG, VA 23188-1980
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210018421
Date	Sep 10, 2021
Instrument	210018421

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.99%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5346 GARDNER CT, WILLIAMSBURG, VA 23188-1980
Document Number	0000005014
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 GARDNER CT WILLIAMSBURG VA 231881980, WILLIAMSBURG, VA 23188-1980

Mortgage

Document Number	0000005014
Date	Apr 9, 2020
Instrument	5014

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Apr 8, 2045

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5346 GARDNER CT, WILLIAMSBURG, VA 23188-1980
Document Number	0000005877
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 GARDNER CT WILLIAMSBURG VA 231881980, WILLIAMSBURG, VA 23188-1980

Mortgage

Document Number	0000005877
Date	Apr 24, 2019
Instrument	5877

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

Interest

Rate Type	Fixed Rate
Rate	4.63%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JAMES CITY VA
Recording Date	Feb 17, 2017
Property Address	5346 GARDNER CT, WILLIAMSBURG, VA 23188-1980
Document Number	0000003727
Instrument Date	Feb 13, 2017
Instrument	3727
Transaction Type	Transfer
Record Updated	Mar 1, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

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	5346 GARDNER CT WILLIAMSBURG VA 231881980, WILLIAMSBURG, VA 23188-1980

Mortgage

Document Number	3728
Date	Feb 17, 2017
Instrument	3728

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5346 Gardner Ct was $2,139, 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	$2,139.00 (+6.42%)	$257,800 Land $38,500 Building $219,300	$257,800 Land $38,500 Building $219,300
2024	$2,010.00 (+26.34%)
2023	$1,591.00	$191,700 Land $38,500 Building $153,200	$191,700 Land $38,500 Building $153,200
2022	$1,591.00
2019	$1,376.00

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

Flood

FEMA maps place 5346 Gardner Ct 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 5346 Gardner Ct 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	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 88 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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