97 Camp Rd, Toano, VA 23168 Property Records

James City County property record for 97 Camp Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1986
Lot Size	4.43 acres (193,232 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,158 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-2 01-0-0025-B`

Property Details

APN / Parcel Number

Primary APN	`10-2 01-0-0025-B`
Alternative APN	`11357`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,160 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Fiberglass
Lot Area	193,232 sqft (4.43 acres)
Garage Type	Detached
Garage Area	1,052 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	11357
Street Address	97 CAMP RD
City	TOANO
State	VA
Zip	23168-8826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL AGRICULTURE
Legal Description	L-3B GARRETT SUB
Legal Subdivision	ACREAGE LOTS POWHATAN
Legal Lot Number	3B
Jurisdiction	JAMES CITY VA
Township / Civil Division	POWHATAN
Census Block Group	1
Census Block	1010
Census Tract	80403

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	2 Individual Names on Record
Mailing Address	97 CAMP RD, TOANO, VA 23168-8826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK INC
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK INC
Jun 2, 2020	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BK
Aug 28, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BK
Jan 17, 2017	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	97 CAMP RD, TOANO, VA 23168-8826
Transaction Type	Mortgage
Record Updated	Mar 23, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202302467
Date	Mar 15, 2023
Instrument	202302467

Lender

Name	MAGNOLIA BANK INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.75%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	97 CAMP RD, TOANO, VA 23168-8826
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004396
Date	Mar 8, 2021
Instrument	210004396

Lender

Name	MAGNOLIA BANK INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	97 CAMP RD, TOANO, VA 23168-8826
Document Number	0000008114
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 CAMP RD TOANO VA 231688826, TOANO, VA 23168-8826

Mortgage

Document Number	0000008114
Date	Jun 8, 2020
Instrument	8114

Lender

Name	MAGNOLIA BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	97 CAMP RD, TOANO, VA 23168-8826
Document Number	0000012507
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 CAMP RD TOANO VA 231688826, TOANO, VA 23168-8826

Mortgage

Document Number	0000012507
Date	Sep 3, 2019
Instrument	12507

Lender

Name	MAGNOLIA BK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 2, 2044

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	97 CAMP RD, TOANO, VA 23168-8826
Document Number	0000002567
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	97 CAMP RD TOANO VA 231688826, TOANO, VA 23168-8826

Mortgage

Document Number	0000002567
Date	Feb 7, 2017
Instrument	2567

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2047

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	$3,158.00 (+6.44%)	$380,500 (+9.62%) Land $126,000 Building $254,500	$380,500 (+9.62%) Land $126,000 Building $254,500
2024	$2,967.00 (+3.02%)
2023	$2,880.00	$347,100 Land $114,500 Building $232,600	$347,100 Land $114,500 Building $232,600
2022	$2,880.00 (+8.07%)
2019	$2,665.00

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
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

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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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