5384 Gardner Ct, Williamsburg, VA 23188 Property Records

James City County property record for 5384 Gardner Ct, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,475 sqft · built 1989
Lot Size	0.039 acres (1,699 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jan 2018)
Tax Bill	$1,991 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-4 06-0-0038`

Property Details

APN / Parcel Number

Primary APN	`32-4 06-0-0038`
Alternative APN	`17000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,475 sqft Living Area

Exterior

Year Built	Built 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	1,699 sqft (0.039 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17000
Street Address	5384 GARDNER CT
City	WILLIAMSBURG
State	VA
Zip	23188-1981
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5 MULTIFAMILY RESIDENTIA
Legal Description	L-38 S-4 CHISEL RUN
Legal Subdivision	CHISEL RUN
Legal Lot Number	38
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	1
Census Block	1009
Census Tract	80205

Owner

5384 Gardner Ct is owned and occupied by an individual who bought it in January 2018.

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

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 File
Mailing Address	5384 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 11, 2018	Warranty Deed, Transfer FIDELITY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2018 · Amount on File
Deed Sale	Jan 11, 2018 · Amount on File
Deed Document Number	180000882
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5384 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202311090
Date	Oct 24, 2023
Instrument	202311090

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	292 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jan 11, 2018
Property Address	5384 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Document Number	0000000882
Instrument Date	Jan 8, 2018
Instrument	882
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

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	5384 GARDNER CT WILLIAMSBURG VA 231881981, WILLIAMSBURG, VA 23188-1981

Mortgage

Document Number	883
Date	Jan 11, 2018
Instrument	883

Lender

Name	FIDELITY BK
Type	Bank

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 5384 Gardner Ct was $1,991, 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	$1,991.00 (+6.41%)	$239,900 Land $38,500 Building $201,400	$239,900 Land $38,500 Building $201,400
2024	$1,871.00 (+24.07%)
2023	$1,508.00	$181,700 Land $38,500 Building $143,200	$181,700 Land $38,500 Building $143,200
2022	$1,508.00
2019	$1,307.00

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

Flood

FEMA maps place 5384 Gardner Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 5384 Gardner Ct 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	Direct burnable vegetation

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 193 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gardner Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures