7154 Little Rd, Toano, VA 23168 Property Records

James City County property record for 7154 Little Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,832 sqft · built 2024
Lot Size	4.05 acres (176,592 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Apr 2022)
Tax Bill	$4,729 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-2 04-0-0005`

Property Details

APN / Parcel Number

Primary APN	`20-2 04-0-0005`
Alternative APN	`36456`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area

Exterior

Year Built	Built 2024
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	176,592 sqft (4.05 acres)
Garage Type	Attached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	412 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	36456
Street Address	7154 LITTLE RD
City	TOANO
State	VA
Zip	23168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL AGRICULTURE
Legal Description	L-5 LITTLE CREEK SUBDIVISION
Legal Subdivision	LITTLE CREEK
Legal Lot Number	5
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1036
Census Tract	80306

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	708 MONUMENTAL AVE, WILLIAMSBURG, VA 23185-4505
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Nov 13, 2023	Deed of Trust, Mortgage · ARM GEORGE MASON MORTGAGE LLC
Apr 4, 2022	Warranty Deed, Subdivision Related Transfer · ARM CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202205250
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7154 LITTLE RD, TOANO, VA 23168
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7154 LITTLE CREEK DAM RD, TOANO, VA 23168-8633

Mortgage

Document Number	0202516367
Date	Nov 24, 2025
Instrument	202516367

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7154 LITTLE RD, TOANO, VA 23168
Transaction Type	Mortgage
Record Updated	Nov 29, 2023
Title Company	FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202311878
Date	Nov 13, 2023
Instrument	202311878

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Margin	3

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 4, 2022
Property Address	7154 LITTLE RD, TOANO, VA 23168
Document Number	0202205250
Instrument Date	Feb 24, 2022
Instrument	202205250
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST VA TITLE & ESCROW

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
Address	110 BICAMERAL LN, WILLIAMSBURG, VA 23185-2555

Mortgage

Document Number	0202205252
Date	Apr 4, 2022
Instrument	202205252

Lender

Name	CHESAPEAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	3 Years
Margin	3

Tax Assessment & Valuation

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	$4,729.00 (+104.54%)	$569,800 (+165.27%) Land $223,400 Building $346,400	$569,800 (+165.27%) Land $223,400 Building $346,400
2024	$2,312.00
2023		$214,800 Land $214,800	$214,800 Land $214,800
2022	$1,782.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 147 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	147 in force
Nearby Flood Claims	14 (2003–2024)
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 6 claims

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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.03% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Little Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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