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Single Family ResidenceResidential
$516,483$177 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $560,000 on Jun 6, 2023

3109 SAPLING DR

TOANO, VA 23168
3
Beds
3 / 1
Baths
2,916 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$516K
$494K low$539K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$560,000 · Jun 6, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,608 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$555,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$488,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$555,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$555,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyJames City
Lot (acres)The size of the land the home sits on, from county records.0.53
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 86 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Stonehouse Elementary SchoolA-
Elementary · Grades KG–5 · 3.2 mi
M
Toano Middle SchoolB
Middle · Grades 6–8 · 4.4 mi
H
Warhill High SchoolB-
High · Grades 9–12 · 7.8 mi

District: Williamsburg - James City County Public Schools

Neighborhood · ZIP 23168These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.27%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.7,904
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.295 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$106,235
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$117,015
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3109 Sapling Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 94% of homes in Toano 23168
  • Bigger than 81% of homes in Toano 23168
  • Has a bigger lot than 73% of homes in James City County
  • Newer than 70% of homes in James City County

What homes are worth in Toano 23168

Each bar is how many homes fall in that price range. The marker is this home.

This home
$213K$892K

This home is worth more than 60% of homes in Toano 23168.

How it measures up in Toano 23168

The dot is this home. The mark in the middle is the typical home in Toano 23168.

Estimated value$516,483
CheaperTypical $471,211Pricier

Pricier than 60% of homes nearby

Price per ft²$177
CheaperTypical $222Pricier

Pricier than 6% of homes nearby

Living area2,916 ft²
SmallerTypical 2,200 ft²Bigger

Bigger than 81% of homes nearby

Lot size0.53 ac
SmallerTypical 0.43 acBigger

Bigger than 58% of homes nearby

Year built2005
OlderTypical 2007Newer

Newer than 46% of homes nearby

How 3109 Sapling Dr ranks against every home in each area.
MeasureThis homeToano 23168James City County
Estimated valuepricier than$516,48360% of homes55% of homes
Price per ft²pricier than$1776% of homes6% of homes
Living areabigger than2,916 ft²81% of homes78% of homes
Lot sizebigger than0.53 ac58% of homes73% of homes
Year builtnewer than200546% of homes70% of homes

About 3109 Sapling Dr

How much is 3109 Sapling Dr, Toano, VA worth?

The TopHap Estimate for 3109 Sapling Dr, Toano, VA is $516,483 as of Oct 21, 2026. The likely range is $494,231 to $538,735. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3109 Sapling Dr, Toano, VA last sell?

3109 Sapling Dr, Toano, VA last sold on Jun 6, 2023 for $560,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3109 Sapling Dr, Toano, VA?

3109 Sapling Dr, Toano, VA has 3 bedrooms, 3 bathrooms, 2,916 square feet of living space and a 0.53-acre lot.

When was 3109 Sapling Dr, Toano, VA built?

3109 Sapling Dr, Toano, VA was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 3109 Sapling Dr, Toano, VA?

3109 Sapling Dr, Toano, VA is assigned to Stonehouse Elementary School (elementary), rated A-; Toano Middle School (middle), rated B; Warhill High School (high), rated B-. All sit in Williamsburg - James City County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3109 Sapling Dr, Toano, VA compare to other homes in Toano 23168?

Among the 3,607 homes in Toano 23168, it is worth more than 60% of them ($516,483 against a typical $471,211), its price per square foot is higher than 6% of them ($177 against a typical $222), it is bigger than 81% of them (2,916 ft² against a typical 2,200 ft²), its lot is bigger than 58% of them (0.53 ac against a typical 0.43 ac) and it is newer than 46% of them (2005 against a typical 2007). Measured against all of James City County, it is worth more than 55% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3109 Sapling Dr, Toano, VA?

The 2025 property tax bill for 3109 Sapling Dr, Toano, VA was $4,608. The county assessed it at $555,200.

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