12374 Cedar Trl, Gloucester, VA 23061 Property Records

Gloucester County property record for 12374 Cedar Trl, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,458 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Oct 2023)
Tax Bill	$1,635 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14274`

Property Details

APN / Parcel Number

Primary APN	`14274`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Area	352 sqft
Porch	Slab
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12374 CEDAR TRL
City	GLOUCESTER
State	VA
Zip	23061-2635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	HOLLY BEACH SUB SEC C LOT 11
Legal Subdivision	HOLLY BEACH
Legal Lot Number	11
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2038
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	PO BOX 585, GLOUCESTER, VA 23061-0585
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit PRIMIS BANK
Aug 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage PARTY III

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	20233986
Prior Transfer Date	May 15, 2007
Prior Transfer Doc	0000003803
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12374 CEDAR TRL, GLOUCESTER, VA 23061-2635
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12374 CEDAR TRL, GLOUCESTER, VA 23061-2635

Mortgage

Document Number	0250004177
Date	Oct 6, 2025
Instrument	250004177

Lender

Name	PRIMIS BANK
Type	Bank
Address	ASHLAND, VA 23005

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Aug 14, 2020
Property Address	12374 CEDAR TRL, GLOUCESTER, VA 23061-2635
Document Number	0200004116
Instrument Date	Aug 6, 2020
Instrument	200004116
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	12374 CEDAR TRL, GLOUCESTER, VA 23061-2635

Mortgage

Document Number	0200004117
Date	Aug 14, 2020
Instrument	200004117

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Stand-Alone First 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	$1,635.00 (+5.55%)	$280,520 (+11.19%) Land $40,100 Building $240,420	$280,520 (+11.19%) Land $40,100 Building $240,420
2025	$1,549.00 (+5.37%)	$252,300 (-) Land $40,100 Building $212,200	$252,300 (-) Land $40,100 Building $212,200
2024	$1,470.00	$252,300 (-) Land $40,100 Building $212,200	$252,300 (-) Land $40,100 Building $212,200
2023	$1,470.00 (+20.79%)	$252,300 (+50.19%) Land $40,100 Building $212,200	$252,300 (+50.19%) Land $40,100 Building $212,200
2022	$1,217.00	$167,990 Land $24,530 Building $143,460	$167,990 Land $24,530 Building $143,460

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

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