7228 Otey Dr, Lanexa, VA 23089 Property Records

James City County property record for 7228 Otey Dr, Lanexa, VA 23089

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,147 sqft · built 2023
Lot Size	0.619 acres (26,964 sqft)
Owner	Individual Name on File
Last Sale	$116,000 (Jul 2022)
Tax Bill	$6,307 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-1 06-0-0012`

Property Details

APN / Parcel Number

Primary APN	`19-1 06-0-0012`
Alternative APN	`11486`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,147 sqft Living Area

Exterior

Year Built	Built 2023
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	26,964 sqft (0.619 acres)
Garage Type	Attached
Garage Area	547 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	11486
Street Address	7228 OTEY DR
City	LANEXA
State	VA
Zip	23089-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL RESIDENTIAL
Legal Description	L-12 S-5 CHICKAHOMINY HAVEN
Legal Subdivision	CHICKAHOMINY HAVEN
Legal Lot Number	12
Jurisdiction	JAMES CITY VA
Township / Civil Division	POWHATAN
Census Block Group	1
Census Block	1021
Census Tract	80306

Owner

7228 Otey Dr is owned and occupied by an individual who bought it in July 2022.

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
Co-owner	Co-owner on File
Mailing Address	7228 OTEY DR, LANEXA, VA 23089-9427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · VA Mortgage RSI FINANCIAL SERVICES
Jan 9, 2024	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
May 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORPORATION
Jul 5, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS & FARMERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022 · Amount on File
Deed Sale	Jul 5, 2022 · Amount on File
Deed Document Number	202210468
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7228 OTEY DR, LANEXA, VA 23089-9427
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7228 OTEY DR, LANEXA, VA 23089-9427

Mortgage

Document Number	0202514945
Date	Oct 22, 2025
Instrument	202514945

Lender

Name	RSI FINANCIAL SERVICES
Address	SAN JUAN CAPISTRANO, CA 92675

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7228 OTEY DR, LANEXA, VA 23089-9427
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202400440
Date	Jan 9, 2024
Instrument	202400440

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7228 OTEY DR, LANEXA, VA 23089-9427
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202304572
Date	May 15, 2023
Instrument	202304572

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Jul 5, 2022
Property Address	7228 OTEY DR, LANEXA, VA 23089-9427
Document Number	0202210468
Instrument Date	Jun 29, 2022
Instrument	202210468
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	LYTLE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
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	103 DISCOVERY LN, WILLIAMSBURG, VA 23185-3104

Mortgage

Document Number	0202210469
Date	Jul 5, 2022
Instrument	202210469

Lender

Name	CITIZENS & FARMERS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7228 Otey Dr was $6,307, 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	$6,307.00 (+6.41%)	$759,900 Land $112,800 Building $647,100	$759,900 Land $112,800 Building $647,100
2024	$5,927.00 (+38.58%)
2023	$4,277.00 (+368.46%)	$515,400 Land $110,000 Building $405,400	$515,400 Land $110,000 Building $405,400
2022	$913.00
2019	$924.00

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

Flood

FEMA maps place 7228 Otey Dr 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 7228 Otey Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	THE COLONIES serves 548 people · EPA ID VA4127115
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	3 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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