8401 Torbay Bend, Williamsburg, VA 23188 Property Records

James City County property record for 8401 Torbay Bend, Williamsburg, VA 23188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,656 sqft · built 2005
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$561,000 (Apr 2026)
Tax Bill	$3,876 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-3 08-0-0103`

Property Details

APN / Parcel Number

Primary APN	`13-3 08-0-0103`
Alternative APN	`28579`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,656 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	236 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	28579
Street Address	8401 TORBAY BND
City	WILLIAMSBURG
State	VA
Zip	23188-6640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 LIMITED
Legal Description	L-103 S-4 WELLINGTON
Legal Subdivision	WELLINGTON
Legal Lot Number	103
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1011
Census Tract	80402

Owner

8401 Torbay Bend is owned and occupied by two individuals who bought it in April 2026.

Source: James City County records, as of June 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 21, 2026	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Sep 26, 2024	Intrafamily Transfer, Transfer
Jul 5, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Prior Sale	Nov 18, 2005 · Amount on File
Deed Document Number	20264705
Prior Transfer Date	Sep 25, 2024
Prior Transfer Doc	0202412838
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640
Transaction Type	Mortgage
Record Updated	Jun 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200339
Date	Jan 7, 2022
Instrument	202200339

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 23, 2051

Interest

Rate Type	Adjustable Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JAMES CITY VA
Recording Date	Apr 21, 2026
Property Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640
Document Number	0000004705
Instrument Date	Apr 15, 2026
Instrument	2026.4705
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,661.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640

Mortgage

Document Number	0000004706,
Date	Apr 21, 2026
Instrument	2026.4706

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JAMES CITY VA
Recording Date	Sep 26, 2024
Property Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640
Document Number	0202412838
Instrument Date	Sep 25, 2024
Instrument	202412838
Transaction Type	Transfer
Record Updated	Oct 9, 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
Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	8401 TORBAY BND, WILLIAMSBURG, VA 23188-6640
Document Number	0000014197
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000014197
Date	Jul 17, 2017
Instrument	14197

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2047

Interest

Rate Type	Adjustable Rate
Rate	1.75%

Tax Assessment & Valuation

The 2025 property tax bill for 8401 Torbay Bend was $3,876, up 6.4% from the year before.

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	$3,876.00 (+6.4%)	$467,100 Land $92,400 Building $374,700	$467,100 Land $92,400 Building $374,700
2024	$3,643.00 (+13.31%)
2023	$3,215.00	$387,400 Land $88,200 Building $299,200	$387,400 Land $88,200 Building $299,200
2022	$3,215.00
2019	$2,858.00

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

Flood

FEMA maps place 8401 Torbay Bend in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	Oct 2006 · rainfall accumulation

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 8401 Torbay Bend 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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