12396 Cedar Trl, Gloucester, VA 23061 Property Records

Gloucester County property record for 12396 Cedar Trl, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2015
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Tax Bill	$1,608 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`23675`

Property Details

APN / Parcel Number

Primary APN	`23675`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Porch	Slab
Deck Area	220 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	12396 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 6
Legal Subdivision	HOLLY BEACH
Legal Lot Number	6
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 1023, GLOUCESTER, VA 23061-1023
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12396 CEDAR TRL, GLOUCESTER, VA 23061-2635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170003705
Date	Aug 8, 2017
Instrument	170003705

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	12396 CEDAR TRL, GLOUCESTER, VA 23061-2635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200005369
Date	Sep 30, 2020
Instrument	200005369

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	$1,608.00 (+9.61%)	$275,760 (+15.39%) Land $40,770 Building $234,990	$275,760 (+15.39%) Land $40,770 Building $234,990
2025	$1,467.00 (+5.31%)	$238,990 (-) Land $40,770 Building $198,220	$238,990 (-) Land $40,770 Building $198,220
2024	$1,393.00	$238,990 (-) Land $40,770 Building $198,220	$238,990 (-) Land $40,770 Building $198,220
2023	$1,393.00 (+10.29%)	$238,990 (+37.16%) Land $40,770 Building $198,220	$238,990 (+37.16%) Land $40,770 Building $198,220
2022	$1,263.00	$174,240 Land $26,060 Building $148,180	$174,240 Land $26,060 Building $148,180

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	0.01% 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

5G (outdoors only) and 4G LTE

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