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7089 Cunningham Dr, Toano, VA 23168 Property Records

James City County property record for 7089 Cunningham Dr, Toano, VA 23168 · Last verified May 2026

Property Summary

Property TypeResidential Vacant Land
Lot Size0.163 acres (7,083 sqft)
Owner2 Individual Names on File
Last Sale$498,590 (Apr 2026)
Tax Bill$565 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Jan 2026 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APN05-4 11-0-0103

Property Details

APN / Parcel Number

Primary APN05-4 11-0-0103
Alternative APN
  • 37225

Exterior

Lot Area7,083 sqft (0.163 acres)

Location & Zoning

Account Number37225
Street Address7089 CUNNINGHAM DR
CityTOANO
StateVA
Zip23168-9559
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionL-103 PH-1 S-1 TRACT 11A STONEHOUSE
Legal SubdivisionSTONEHOUSE
Legal Phase1
Legal Tract11A
Legal Lot Number103
JurisdictionJAMES CITY VA
Township / Civil DivisionSTONEHOUSE
Census Block Group1
Census Block1016
Census Tract80404

Owner

Source: James City County records · APN 05-4 11-0-0103

Assessment roll updated October 14, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2026Deed, Transfer · VA Mortgage
NATIONAL HOME MORTGAGE CORPORATION
Jan 09, 2026Deed, Transfer
NVR SETTLEMENT SERVICES INC
Dec 05, 2025Land Contract, Transfer
Dec 05, 2025Deed, Transfer · Line of Credit
WESTERN ALLIANCE BANK
Dec 05, 2025Land Contract, Transfer
Dec 05, 2025Assignment of Agreement of Sale, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 27, 2026 · Amount on Record
Deed SaleApr 27, 2026 · Amount on Record
Prior SaleJan 09, 2026 · Amount on Record
Deed Document Number20264971
Record UpdatedSep 20, 2026

April 2026: Deed, Transfer

Document TypeDeed
JurisdictionJAMES CITY VA
Recording DateApr 27, 2026
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0000004971
Instrument DateApr 20, 2026
Instrument2026.4971
Transaction TypeTransfer
Record UpdatedMay 11, 2026
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$50,357.59
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559

Mortgage

Document Number0000004972,
DateApr 27, 2026
Instrument2026..4972
Lender
NameNATIONAL HOME MORTGAGE CORPORATION
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.11%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

January 2026: Deed, Transfer

Document TypeDeed
JurisdictionJAMES CITY VA
Recording DateJan 09, 2026
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0202600310
Map ReferenceDOC 202506307
Instrument DateJan 06, 2026
Instrument202600310
Transaction TypeTransfer
Record UpdatedJan 26, 2026
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount Recorded
Tax$1,459.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5400 DISCOVERY PARK BLVD STE 201, 201, WILLIAMSBURG, VA 23188-2882
InvestorPossibly a Property Investor

December 2025: Land Contract, Transfer

Document TypeLand Contract
JurisdictionJAMES CITY VA
Recording DateDec 05, 2025
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0202516825
Instrument DateNov 25, 2025
Instrument202516825
Transaction TypeTransfer
Record UpdatedDec 30, 2025

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1100 BOUKLERS PARKWAY #700 # 700, 700, DENVER, CO 80202
InvestorPossibly a Property Investor

December 2025: Deed, Transfer

Document TypeDeed
JurisdictionJAMES CITY VA
Recording DateDec 05, 2025
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0202516824
Map ReferenceDOC 202506907
Instrument DateNov 25, 2025
Instrument202516824
Transaction TypeTransfer
Record UpdatedDec 30, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0202516822
DateDec 05, 2025
Instrument202516822
Lender
NameWESTERN ALLIANCE BANK
TypeBank
AddressPHOENIX, AZ 85004
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2025: Land Contract, Transfer

Document TypeLand Contract
JurisdictionJAMES CITY VA
Recording DateDec 05, 2025
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0202516853
Instrument DateNov 25, 2025
Instrument202516853
Transaction TypeTransfer
Record UpdatedDec 30, 2025

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1100 BOULDERS PKWY STE 700, 700, NORTH CHESTERFIELD, VA 23225-4052
InvestorPossibly a Property Investor

December 2025: Assignment of Agreement of Sale, Transfer

Document TypeAssignment of Agreement of Sale
JurisdictionJAMES CITY VA
Recording DateDec 05, 2025
Property Address7089 CUNNINGHAM DR, TOANO, VA 23168-9559
Document Number0202516823
Instrument DateNov 25, 2025
Instrument202516823
Transaction TypeTransfer
Record UpdatedDec 30, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address300 PARK AVE RM 1202, 1202, NEW YORK, NY 10022-7096

Transferred To (Grantee/Buyer)

NameVerified Name
Address1100 BOULDERS PKWY STE 700, 700, NORTH CHESTERFIELD, VA 23225-4052
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: James City County records · Assessment roll updated October 14, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateVirginia
CountyJames City County
Unified School DistrictJames City County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$565.00$68,100 Land $68,100$68,100 Land $68,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, James City County (51095C), updated October 27, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510950804041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force

Wildfire

Wildfire RiskLow
above 37% of the US · above 61% of Virginia
Wildfire LikelihoodAbout 1 in 3,333 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026

Mobile Coverage

5G (outdoors only) and 4G LTE

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