12384 Cedar Trl, Gloucester, VA 23061 Property Records

Gloucester County property record for 12384 Cedar Trl, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 2011
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (May 2024)
Tax Bill	$1,740 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17713`

Property Details

APN / Parcel Number

Primary APN	`17713`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Pool Type	Above-Ground Pool
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	12384 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 SUBD SEC C LOT 8
Legal Subdivision	HOLLY BEACH
Legal Lot Number	8
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2038
Census Tract	100101

Owner

Source: Gloucester County records · APN 17713

Assessment roll updated October 27, 2025 · Last verified August 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 File
Mailing Address	12384 CEDAR TRL, GLOUCESTER, VA 23061-2635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	May 31, 2012 · Amount on Record
Deed Document Number	20241726
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12384 CEDAR TRL, GLOUCESTER, VA 23061-2635
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001304
Date	Apr 07, 2023
Instrument	230001304

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2043

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Gloucester County records · Assessment roll updated October 27, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,740.00 (+5.33%)	$283,440 (-) Land $40,990 Building $242,450	$283,440 (-) Land $40,990 Building $242,450
2024	$1,652.00	$283,440 (-) Land $40,990 Building $242,450	$283,440 (-) Land $40,990 Building $242,450
2023	$1,652.00 (+9.91%)	$283,440 (+36.7%) Land $40,990 Building $242,450	$283,440 (+36.7%) Land $40,990 Building $242,450
2022	$1,503.00	$207,350 Land $26,580 Building $180,770	$207,350 Land $26,580 Building $180,770

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 74 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MIDDLESEX WATER AUTHORITY private · serves 1,678 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.