✓ Source: REIN MLS #10634489 · record updated Nov 3, 2026 · synced every 2 min · your inquiry is never resold

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$402,770est. $2,466/mo all-in · adjust →

4beds

3baths

2,513sqft

$160per sqft

175days on market

5040 Santoro Rd, Toano, VA 23168

Under ContractResidential · built 2026 · 0.14 acres · STONEHOUSE CREEK · MLS #10634489

Price per sqft$160compare with nearby sales Schools

WarhillHigh6.8

ToanoMiddle7.2

StonehouseElementary8.3

VaHome School Score Flood

Low / moderate riskZone X

flood insurance not required HOA$92/moStonehouse Est. payment$2,466/moall-in · 20% down · 6.75% · adjust Price since listing…checking price history Taxes$2,000/yrasking is 195% of assessment Condo feeNAnot a condo

OverviewAbout this home

Grand Bahama Floor Plan; Sold TBB

Listing courtesy of Jenny Lovell · BHHS RW Towne Realty · REIN MLS #10634489

Facts & features

TypeResidential

Year built2026

Price / sqft$160

HOA fee$92/mo

Taxes$2,000/yr

CountyJames City County VA

MLS #10634489

HOA association includes

ClubhouseExercise RmGolfPlaygroundsPoolTennis Cts

$92/mo HOA fee · per the REIN MLS listing record. Confirm inclusions with the association.

Interior

Bedrooms: 4
Full baths: 3
Approx. sqft: 2,513
Stories: 2
Flooring: Carpet, Ceramic, Laminate/LVP
Ensuite bedrooms: 1
First-floor bed & full bath: Yes
Total rooms: 6
Other rooms: 1st Floor BR, 1st Floor Primary BR, Attic, Breakfast Area, Foyer, PBR with Bath, Pantry, Utility Room
Appliances: Dishwasher, Disposal, Dryer Hookup, Energy Star Appliance(s), Microwave, Gas Range, Refrigerator, Washer Hookup

Construction & exterior

Style: Traditional
Subtype: Detached
Foundation: Basement
Roof: Asphalt Shingle
Exterior: Stone,Vinyl
Pool: No Pool

Utilities & systems

Heating: Nat Gas, Programmable Thermostat
Cooling: Central Air
Water heater: Electric
Water: City/County
Sewer: City/County

Lot, parking & ownership

Lot size: 0.1400
Subdivision: STONEHOUSE CREEK
Ownership: Fee Simple
Garage: Yes
Parking: Garage Att 2 Car, Covered, Off Street, Driveway Spc
Possession: AT CLOSE
Miscellaneous: Warranty Plan

Sources: REIN MLS record · city assessor

Tom & Dariya's overview

Our read on this home

by Tom & Dariya Milan, REALTORS® · Brokered by LPT Realty

At a glance

5040 Santoro Road is a brand-new, four-bedroom home in Toano, Virginia, built in 2026. It offers 2,513 square feet and three full baths on a quiet residential street in James City County. Grocery and dining are steps away, and two military installations are within a half-hour drive.

Keep searching in Toano

See all Toano homes for sale, including homes for sale zoned for Warhill High School and homes for sale zoned for Stonehouse Elementary School. Nearby, look at Stonehouse homes for sale.

Read the full overview ↓

Why this home stands out

New construction in Toano is rare, and 5040 Santoro Road delivers it at a meaningful scale. Four bedrooms and three full baths across 2,513 square feet give you real room to spread out. The 2026 build date means everything — systems, finishes, warranties — is factory fresh. You won't be inheriting someone else's deferred maintenance. That's a genuine edge in a market where older inventory dominates.

STONEHOUSE CREEK and the Toano real estate market

Toano sits in the western reaches of James City County, tucked between Williamsburg and the rural countryside of New Kent. The streets here are quiet and low-traffic. Homes tend to be newer and set on generous lots, giving the area an open, unhurried feel. Santoro Road fits that character well. Toano is small by design — there's no downtown grid, just a tight-knit community that values space and calm. Getting around is easy via I-64, which puts Williamsburg's shops, restaurants, and Colonial Williamsburg within about 20 minutes. Richmond is roughly 45 minutes west. Anyone browsing Toano homes for sale will notice that the area draws buyers who want proximity to Williamsburg without the Williamsburg price tag. James City County handles local services, and the broader Williamsburg metro adds cultural and dining depth without requiring you to live in it.

What's nearby

Daily errands are genuinely walkable from 5040 Santoro Road. McLeans Grocery is just 0.2 miles away — close enough to run out for one item without a second thought. Hohl, at 0.3 miles, covers both restaurant dinners and morning coffee in one stop. Fitness options cluster nearby as well. Williamsburg Pilates Studio is 0.2 miles out, Dreams Gymnastics Center is 0.4 miles, and Elite Health and Fitness is half a mile away. Three gyms within a five-minute walk is an unusually strong showing for a community this size.

For different buyers

Base commute and VA loan notes

Camp Peary is about 24 minutes from 5040 Santoro Road. Naval Weapons Station Yorktown runs roughly 33 minutes. A VA loan is a natural fit for a new-construction purchase like this — no seller concessions needed to cover inspection surprises on a 2026 build. The home is complete and ready, which keeps timelines clean when PCS orders have a hard report date.

For buyers drawn to character

New construction doesn't usually win on character — but 5040 Santoro Road earns points a different way. The Toano setting is genuinely distinct: small-community feel, rural edges, and a slower pace that older suburbs have long since traded away. Four bedrooms and three baths in a 2026 build means you get that character-rich lifestyle without the quirks of an aging house. Buyers comparing homes for sale zoned for Warhill High School and homes for sale zoned for Stonehouse Elementary School will find this address lands in both zones.

Schools · VaHome School ScoreAssigned schools

Our own 1–10 rating, scored from Virginia Department of Education data.

HighWarhill High School

6.8/10

MiddleToano Middle School

7.2/10

ElementaryStonehouse Elementary School

8.3/10

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each.

Also nearby

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

Homes like this one sell fast — see the next one first

Toano$340K – $465K4+ beds

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Military Commute

Drive times to nearest bases

Camp Peary

DoD

24min·17.6mi

NWS Yorktown

Navy

25min·20.4mi

JBLE Ft Eustis

Army

29min·24.2mi

JBLE Langley

Air Force

49min·40.6mi

NSA HR

Navy

58min·52.4mi

Typical drive times from Google Maps, without live traffic. Rush hour and tunnel backups can add time.

Flood & environmentFlood risk (FEMA)

FEMA flood zone X · outside the high-risk area · FIRM 51095C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51095C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn’t define a BFE here.

Property elevation

101.9 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA’s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service — actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Explore this neighborhoodStonehouse

Stonehouse is one of the largest master-planned communities in the Williamsburg area. It spreads across roughly 5,700 wooded acres in Toano in upper James City County.

$564KMedian sale · 12 mo

$198Sold $/sq ft

19dDays on market

44For sale now

$138KHH income

86.5%Owner-occupied

REIN MLS closed sales, trailing 12 mo · U.S. Census ACS 2024 5-year

Explore Stonehouse →

Neighborhood

Toano VA homes for sale →

CostPayment calculator

Estimates only. Taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$2,374/mo

Down payment20% · $80,554

Interest rate6.75%

Loan term30 years

Principal & interest

$2,090

Property tax

$167

Home insurance

$117

PMI

None

HOA/Condo (paid separately)

$92

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & historyComparables

Asking vs. assessment195% of $206,500City assessment record · taxes $2,000/yr

Land share of assessed value48% · $98,900Improvements $107,600 · assessor record ✓

Price context: similar nearby homes$365,000 – $525,000The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price, not an appraisal or an estimate of this home's value.

102 School LN · 0.1 mi · 2,080 sqft$465,000 sold 2026-02

8 Sumner CT · 0.8 mi · 2,400 sqft$365,000 sold 2026-06

3291 Leighton BLVD · 1.2 mi · 2,468 sqft$525,000 sold 2026-08

Own a home nearby? See what it is worth today: What's your Toano home worth?

Sale & Tax History

List Price

$402,770

Price / Sq Ft

$160

Annual Taxes

$2,000

Monthly Tax

$167

HOA fee

$92 / mo

Tax Rate (effective)

0.50%

Sale Timeline (this listing)

Event	Date	Price	Detail
Listed	May 12, 2026	$402,770	—
Price reduced	Nov 3, 2026	$402,770	−$77,220
Currently listed	—	$402,770	—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

95% above assessment

Total Assessed

$206,500

Land

$98,900

Improvement

$107,600

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Toano Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

CompareThis home next to what else is for sale nearby

Home	Price	Beds	Baths	Sqft	$ / sqft
5040 Santoro Rdthis home	$402,770	4	3	2,513	$160
Loading nearby homes for sale…

Active comparables from the REIN MLS, the same homes shown under Comparable Properties. Context for judging the asking price, not an appraisal.

Questions buyers ask

Is 5040 Santoro Rd in a good school zone?

The assigned zones on the listing record are Stonehouse Elementary (VaHome School Score 8.3/10), Toano Middle (VaHome School Score 7.2/10), Warhill (VaHome School Score 6.8/10). School attendance zones can change — always confirm enrollment with the local school division.

Is 5040 Santoro Rd in a flood zone?

FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.

Does 5040 Santoro Rd have an HOA?

Yes — HOA dues are on record for this property (the current amount is shown in the facts section on this page). The association of record is N/A. Association amenities on record include: Clubhouse, Exercise Rm, Golf, Playgrounds, Pool, Tennis Cts.

When was 5040 Santoro Rd built?

It was built in 2026, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data. Never invented.

Tom & Dariya Milan | LPT Realty

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5040 Santoro Rd, Toano, Virginia 23168 · MLS #10634489 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed; verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

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