5389 Gardner Ct, Williamsburg, VA 23188 Property Records

James City County property record for 5389 Gardner Ct, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,475 sqft · built 1989
Lot Size	0.058 acres (2,526 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2005)
Tax Bill	$2,038 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-4 06-0-0045`

Property Details

APN / Parcel Number

Primary APN	`32-4 06-0-0045`
Alternative APN	`8103`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,475 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Fiberglass
Lot Area	2,526 sqft (0.058 acres)

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8103
Street Address	5389 GARDNER CT
City	WILLIAMSBURG
State	VA
Zip	23188-1981
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5 MULTIFA
Legal Description	L-45 S-4 CHISEL RUN
Legal Subdivision	CHISEL RUN
Legal Lot Number	45
Jurisdiction	JAMES CITY VA
Township / Civil Division	JAMESTOWN
Census Block Group	1
Census Block	1009
Census Tract	80205

Owner

Source: James City County records, as of August 25, 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
Mailing Address	5389 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANGLEY FEDERAL CREDIT UNION
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION
Nov 1, 2017	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU
Jul 6, 2015	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2005 · Amount on Record
Deed Sale	Jun 30, 2005 · Amount on Record
Prior Sale	Dec 29, 2004 · Amount on Record
Deed Document Number	2005500014557
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5389 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210011760
Date	Jun 10, 2021
Instrument	210011760

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	203 Months
Due	May 29, 2038

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5389 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210006766
Date	Apr 7, 2021
Instrument	210006766

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.13%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	5389 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Document Number	0000021400
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021400
Date	Nov 14, 2017
Instrument	21400

Lender

Name	LANGLEY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Nov 13, 2029

Interest

Rate Type	Adjustable Rate

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILLIAMSBURG CITY VA
Recording Date	Jul 6, 2015
Property Address	5389 GARDNER CT, WILLIAMSBURG, VA 23188-1981
Document Number	1500/13341
Book / Page	1500 / 13341
Instrument Date	Jun 30, 2015
Transaction Type	Transfer
Record Updated	May 7, 2026

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

Mortgage

Document Number	0150013342
Date	Jul 6, 2015
Instrument	1500/13342

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,038.00 (+54.39%)	$245,600 (+33.99%) Land $40,400 Building $205,200	$245,600 (+33.99%) Land $40,400 Building $205,200
2023		$183,300 Land $40,400 Building $142,900	$183,300 Land $40,400 Building $142,900
2019	$1,320.00

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
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

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

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