12276 Cedar Trl, Gloucester, VA 23061 Property Records

Gloucester County property record for 12276 Cedar Trl, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,377 sqft · built 2011
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$125,822 (Sep 2018)
Tax Bill	$1,657 (2026)
Deeds & Mortgages	Jan 2024 Refinance Dec 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16245`

Property Details

APN / Parcel Number

Primary APN	`16245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,377 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Porch	Slab
Deck Area	139 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12276 CEDAR TRL
City	GLOUCESTER
State	VA
Zip	23061-2660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	HOLLY BEACH SUB. SEC. C LOT 30
Legal Subdivision	HOLLY BEACH
Legal Lot Number	30
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2037
Census Tract	100101

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	Individual Name on Record
Mailing Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Dec 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK
Sep 20, 2018	Special Warranty Deed, Transfer · Conventional Mortgage BAYLANDS FAMILY CREDIT UNION
Sep 28, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2018 · Amount on Record
Deed Sale	Sep 20, 2018 · Amount on Record
Prior Sale	Sep 28, 2017 · Amount on Record
Deed Document Number	20184143
Prior Transfer Date	Sep 26, 2017
Prior Transfer Doc	0000004652
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000259
Date	Jan 26, 2024
Instrument	240000259

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2054

Interest

Rate Type	Fixed Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Transaction Type	Mortgage
Record Updated	Jan 4, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006266
Date	Dec 2, 2022
Instrument	220006266

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	359 Months
Due	Nov 14, 2052

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001229
Date	Mar 1, 2022
Instrument	220001229

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 28, 2052

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200005793
Date	Oct 19, 2020
Instrument	200005793

Lender

Name	DISCOVER BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	240 Months
Due	Oct 16, 2040

Interest

Rate Type	Fixed Rate

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 20, 2018
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Document Number	180004143
Instrument Date	Sep 11, 2018
Instrument	180004143
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW INC

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	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660

Mortgage

Document Number	180004144
Date	Sep 20, 2018
Instrument	180004144

Lender

Name	BAYLANDS FAMILY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 28, 2017
Property Address	12276 CEDAR TRL, GLOUCESTER, VA 23061-2660
Document Number	170004652
Instrument Date	Sep 26, 2017
Instrument	170004652
Transaction Type	Foreclosure
Record Updated	Oct 5, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

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	$1,657.00 (+20.25%)	$284,180 (+26.55%) Land $40,100 Building $244,080	$284,180 (+26.55%) Land $40,100 Building $244,080
2025	$1,378.00 (+5.27%)	$224,560 (-) Land $40,100 Building $184,460	$224,560 (-) Land $40,100 Building $184,460
2024	$1,309.00	$224,560 (-) Land $40,100 Building $184,460	$224,560 (-) Land $40,100 Building $184,460
2023	$1,309.00 (+12.65%)	$224,560 (+40.06%) Land $40,100 Building $184,460	$224,560 (+40.06%) Land $40,100 Building $184,460
2022	$1,162.00	$160,330 Land $24,530 Building $135,800	$160,330 Land $24,530 Building $135,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLESEX WATER AUTHORITY private · serves 1,678 people · EPA ID VA4119587
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cedar Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures