11388 Coveside Pt, Gloucester, VA 23061 Property Records

Gloucester County property record for 11388 Coveside Pt, Gloucester, VA 23061

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 3 ba · built 2017
Lot Size	2.66 acres (115,870 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,500 (Feb 2024)
Tax Bill	$2,941 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`42104`

Property Details

APN / Parcel Number

Primary APN	`42104`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	115,870 sqft (2.66 acres)

Location & Zoning

Street Address	11388 COVESIDE PT
City	GLOUCESTER
State	VA
Zip	23061-2584
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	SC-1
Legal Description	RIVERWATCH SUBD SEC THREE LOT 7
Legal Subdivision	RIVERWATCH
Legal Lot Number	7
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2005
Census Tract	100201

Owner

Source: Gloucester County records, as of October 20, 2026

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	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BANK
Feb 6, 2024	Warranty Deed, Transfer · ARM CHESAPEAKE BANK
Dec 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VIRGINIA CREDIT UNION INC
Mar 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CREDIT UNION INC
Jun 14, 2018	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2024 · Amount on Record
Deed Sale	Feb 6, 2024 · Amount on Record
Prior Sale	Jun 14, 2018 · Amount on Record
Deed Document Number	2024391
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584

Mortgage

Document Number	0250004213
Date	Oct 6, 2025
Instrument	250004213

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584

Mortgage

Document Number	0250004212
Date	Oct 6, 2025
Instrument	250004212

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	5.37%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Feb 6, 2024
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Document Number	0240000391
Instrument Date	Jan 31, 2024
Instrument	240000391
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	NOT AVAILABLE, MATHEWS TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584

Mortgage

Document Number	0240000392
Date	Feb 6, 2024
Instrument	240000392

Lender

Name	CHESAPEAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	3 Years

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210008554
Date	Dec 7, 2021
Instrument	210008554

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001879
Date	Mar 30, 2022
Instrument	220001879

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 16, 2042

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 14, 2018
Property Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584
Document Number	0180002582
Instrument Date	Jun 7, 2018
Instrument	180002582
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11388 COVESIDE PT, GLOUCESTER, VA 23061-2584

Mortgage

Document Number	0180002583
Date	Jun 14, 2018
Instrument	180002583

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Gloucester County assessment roll, as of October 27, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Gloucester County
Unified School District	Gloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,941.00 (+3.85%)	$504,540 (+9.38%) Land $89,000 Building $415,540	$504,540 (+9.38%) Land $89,000 Building $415,540
2025	$2,832.00 (+4.93%)	$461,290 (-0.37%) Land $81,400 Building $379,890	$461,290 (-0.37%) Land $81,400 Building $379,890
2024	$2,699.00	$462,990 (-) Land $81,400 Building $381,590	$462,990 (-) Land $81,400 Building $381,590
2023	$2,699.00 (+13.93%)	$462,990 (+41.64%) Land $81,400 Building $381,590	$462,990 (+41.64%) Land $81,400 Building $381,590
2022	$2,369.00	$326,870 Land $66,900 Building $259,970	$326,870 Land $66,900 Building $259,970

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 20, 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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	19 (1999–2023)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Sep 2023 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 5 claims Hurricane Isabel, Sep 2003 · 11 claims

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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