7608 Uncles Neck, Toano, VA 23168 Property Records

James City County property record for 7608 Uncles Neck, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,083 sqft · built 2017
Lot Size	3.09 acres (134,600 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (Feb 2015)
Tax Bill	$11,607 (2025)
Deeds & Mortgages	Jan 2024 Transfer Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-3 02-0-0027`

Property Details

APN / Parcel Number

Primary APN	`20-3 02-0-0027`
Alternative APN	`31840`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,083 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	134,600 sqft (3.09 acres)
Garage Type	Attached
Garage Area	1,148 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	757 sqft
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	31840
Street Address	7608 UNCLES NCK
City	TOANO
State	VA
Zip	23168-8725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-27 RIVER'S BEND @ UNCLES NECK
Legal Subdivision	RIVERS BEND AT UNCLES NECK
Legal Lot Number	27
Jurisdiction	JAMES CITY VA
Township / Civil Division	POWHATAN
Census Block Group	1
Census Block	1034
Census Tract	80306

Owner

Source: James City County records, as of November 18, 2025

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

Owner of Record	Company Name on Record
Mailing Address	7608 UNCLES NCK, TOANO, VA 23168-8725
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Intrafamily Transfer, Transfer
Sep 30, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jan 28, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Dec 28, 2017	Deed of Trust, Mortgage · VA Mortgage TOWNEBANK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2015 · Amount on Record
Deed Sale	Feb 23, 2015 · Amount on Record
Deed Book / Page	1500 / 3122
Last Transfer Date	Dec 14, 2023
Transfer Doc	0202400191
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Jan 3, 2024
Property Address	7608 UNCLES NCK, TOANO, VA 23168-8725
Document Number	0202400191
Instrument Date	Dec 14, 2023
Instrument	202400191
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7608 UNCLES NCK, TOANO, VA 23168-8725
Document Number	0000017032
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017032
Date	Oct 7, 2020
Instrument	17032

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7608 UNCLES NCK, TOANO, VA 23168-8725
Document Number	0000001576
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7608 UNCLES NCK TOANO VA 231688725, TOANO, VA 23168-8725

Mortgage

Document Number	0000001576
Date	Feb 4, 2019
Instrument	1576

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2049

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	7608 UNCLES NCK, TOANO, VA 23168-8725
Document Number	0000000060
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000000060
Date	Jan 3, 2018
Instrument	60

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2048

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	$11,607.00 (+6.41%)	$1,398,500 (+5.64%) Land $632,300 Building $766,200	$1,398,500 (+5.64%) Land $632,300 Building $766,200
2024	$10,908.00 (-0.72%)
2023	$10,987.00	$1,323,800 Land $574,800 Building $749,000	$1,323,800 Land $574,800 Building $749,000
2022	$10,987.00 (+0.38%)
2019	$10,945.00

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
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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880

Cell Coverage

4G LTE (outdoors only), no 5G reported

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