The only Jessie Toombs I can find in the census is in the 1900 Virginia Census of Caroline County. He is shown as age 16 born Virginia. He's a servant in the household of a Amanda Reynolds. His birth year would be 1884 not 1875 if he's your guy. I find your Julian Wharton in 1910,1920 & 1930 in same county but wife is Minnie not Mamie and she's born 1885 VA. Of interest is that in the 1910 census there is a Woody Loving age 15 in home shown as nephew of Julian. In the 1920 census there is a Charlie listed as an adopted son age 23 in the home. In the 1900 census I found a Charlie Toombs age 13 living with a John Jakes and shown as his stepson. Could not find a Charles Loving with a wife that matches your Mamie in any census but I only looked in Caroline County as thats where your people seemed to be.