9040 Barnes Rd, Toano, VA 23168 Property Records

James City County property record for 9040 Barnes Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,989 sqft · built 2006
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Apr 2014)
Tax Bill	$3,252 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-2 02-0-0001-A`

Property Details

APN / Parcel Number

Primary APN	`10-2 02-0-0001-A`
Alternative APN	`28909`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,989 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Attached
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	177 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	28909
Street Address	9040 BARNES RD
City	TOANO
State	VA
Zip	23168-8903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	L-1A SUNNY MANE CREST DIVISION OF PARCEL OF JAMES F COWLES ET ALS
Legal Subdivision	ACREAGE LOTS POWHATAN
Legal Lot Number	1A
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	3
Census Block	3007
Census Tract	80403

Owner

9040 Barnes Rd is owned and occupied by two individuals who bought it in April 2014.

Source: James City County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9040 BARNES RD, TOANO, VA 23168-8903
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION
Oct 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 17, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED MUTUAL FNDG
May 15, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2014 · Amount on File
Deed Sale	Apr 15, 2014 · Amount on File
Deed Book / Page	1400 / 6175
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Recording Date	Oct 2, 2026
Property Address	9040 BARNES RD, TOANO, VA 23168-8903
Document Number	0000012838
Instrument Date	Aug 11, 2026
Instrument	202612838
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9040 BARNES RD, TOANO, VA 23168-8903

Mortgage

Document Number	0000012838,
Date	Oct 2, 2026
Instrument	202612838

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	9040 BARNES RD, TOANO, VA 23168-8903
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202215448
Date	Oct 25, 2022
Instrument	202215448

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 26, 2037

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	9040 BARNES RD, TOANO, VA 23168-8903
Document Number	0000022334
Instrument Date	Dec 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9040 BARNES RD TOANO VA 231688903, TOANO, VA 23168-8903

Mortgage

Document Number	0000022334
Date	Dec 22, 2020
Instrument	22334

Lender

Name	UNITED MUTUAL FNDG
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2050

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	9040 BARNES RD, TOANO, VA 23168-8903
Document Number	0000007476
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9040 BARNES RD TOANO VA 231688903, TOANO, VA 23168-8903

Mortgage

Document Number	0000007476
Date	May 27, 2020
Instrument	7476

Lender

Name	PENNYMAC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9040 Barnes Rd was $3,252, 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	$3,252.00 (+6.41%)	$391,900 Land $106,000 Building $285,900	$391,900 Land $106,000 Building $285,900
2024	$3,056.00 (+11.45%)
2023	$2,742.00	$330,400 Land $81,000 Building $249,400	$330,400 Land $81,000 Building $249,400
2022	$2,742.00
2019	$2,281.00

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

Flood

FEMA maps place 9040 Barnes Rd in Zone X, an area of minimal flood risk.

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	1 in force

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 9040 Barnes Rd is low, with a 0.03% annual chance of 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	0.03% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Barnes Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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