9804 Fire Tower Rd, Toano, VA 23168 Property Records

James City County property record for 9804 Fire Tower Rd, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,132 sqft · built 1967
Lot Size	6.06 acres (263,974 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Dec 2017)
Tax Bill	$4,325 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-2 01-0-0019`

Property Details

APN / Parcel Number

Primary APN	`04-2 01-0-0019`
Alternative APN	`5249`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,132 sqft Living Area
Basement Area	1,539 sqft
Finished Basement	850 sqft
Unfinished Basement	689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	263,974 sqft (6.06 acres)
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	5249
Street Address	9804 FIRE TOWER RD
City	TOANO
State	VA
Zip	23168-9501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1 GENERAL
Legal Description	ADJ BREEDONS
Legal Subdivision	ACREAGE LOTS STONEHOUSE
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	1
Census Block	1001
Census Tract	80404

Owner

9804 Fire Tower Rd is owned and occupied by an individual who bought it in December 2017.

Source: James City County records, as of August 25, 2026

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
Mailing Address	9804 FIRE TOWER RD, TOANO, VA 23168-9501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2020	Deed of Trust, Mortgage · Conventional with PMI HOME PT FIN'L
Dec 28, 2017	Deed of Trust, Mortgage C&F MTG
Dec 29, 2017	Warranty Deed, Transfer C&F MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on File
Deed Sale	Dec 29, 2017 · Amount on File
Prior Sale	May 2, 2005 · Amount on File
Deed Document Number	201724809
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	9804 FIRE TOWER RD, TOANO, VA 23168-9501
Document Number	0000021262
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9804 FIRE TOWER RD TOANO VA 231689501, TOANO, VA 23168-9501

Mortgage

Document Number	0000021262
Date	Dec 8, 2020
Instrument	21262

Lender

Name	HOME PT FIN'L

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2050

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	9804 FIRE TOWER RD, TOANO, VA 23168-9501
Document Number	0000001078
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001078
Date	Jan 17, 2018
Instrument	1078

Lender

Name	C&F MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JAMES CITY VA
Recording Date	Dec 29, 2017
Property Address	9804 FIRE TOWER RD, TOANO, VA 23168-9501
Document Number	0000024809
Instrument Date	Dec 20, 2017
Instrument	24809
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9804 FIRE TOWER RD TOANO VA 231689501, TOANO, VA 23168-9501

Mortgage

Document Number	24810
Date	Dec 29, 2017
Instrument	24810

Lender

Name	C&F MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 9804 Fire Tower Rd was $4,325.

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	$4,325.00	$521,100 Land $153,900 Building $367,200	$521,100 Land $153,900 Building $367,200
2023		$392,800 Land $117,300 Building $275,500	$392,800 Land $117,300 Building $275,500
2019	$2,999.00

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

Flood

FEMA maps place 9804 Fire Tower 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	7 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 9804 Fire Tower Rd is low, with a 0.02% 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	0.02% 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 11 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Fire Tower Rd

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