Gloucester County property record for 1399 Mercer Rd, Gloucester Point, VA 23062
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,125 sqft · built 1985 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Apr 2026) |
| Tax Bill | $1,243 (2026) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051A1 0 L 8 |
| Primary APN | 051A1 0 L 8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,125 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,888 sqft (0.227 acres) |
| Porch | Slab |
| Deck Area | 145 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1399 MERCER RD |
|---|---|
| City | GLOUCESTER POINT |
| State | VA |
| Zip | 23062-2605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | LAFF HTS BK L LOT 8 |
| Legal Subdivision | PLAT: PB1 316 |
| Legal Lot Number | 8 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | GLOUCESTER POINT |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 100301 |
1399 Mercer Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Gloucester County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1399 MERCER RD, GLOUCESTER POINT, VA 23062-2605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 12, 2021 | Deed of Trust, Mortgage · ARM ROCKET MORTGAGE LLC |
| Apr 3, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE GROUP INC |
| Jul 27, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2026 · Amount on File |
| Deed Sale | Apr 3, 2026 · Amount on File |
| Prior Sale | Jul 27, 2021 · Amount on File |
| Deed Document Number | 20261395 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 1399 MERCER RD, GLOUCESTER PT, VA 23062-2605 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210008066 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 210008066 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | 6 Months |
| Margin | 3 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Apr 3, 2026 |
| Property Address | 1399 MERCER RD, GLOUCESTER POINT, VA 23062-2605 |
| Document Number | 0000001395 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20261395 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2026 |
| Title Company | AMTRUST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31,310.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1399 MERCER RD, GLOUCESTER POINT, VA 23062-2605 |
| Document Number | 0000001396, |
|---|---|
| Date | Apr 3, 2026 |
| Instrument | 20261396 |
| Name | ATLANTIC COAST MORTGAGE GROUP INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Jul 27, 2021 |
| Property Address | 1399 MERCER RD, GLOUCESTER PT, VA 23062-2605 |
| Document Number | 0210005282 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 210005282 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1399 MERCER RD, GLOUCESTER POINT, VA 23062-2605 |
The 2026 property tax bill for 1399 Mercer Rd was $1,243, up 12.6% from the year before.
Source: Gloucester County assessment roll, as of October 27, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Gloucester County |
| Unified School District | Gloucester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,243.00 (+12.59%) | $209,660 (+18.49%) Land $46,810 Building $162,850 | $209,660 (+18.49%) Land $46,810 Building $162,850 |
| 2025 | $1,104.00 (+5.24%) | $176,950 (-) Land $46,810 Building $130,140 | $176,950 (-) Land $46,810 Building $130,140 |
| 2024 | $1,049.00 | $176,950 (-) Land $46,810 Building $130,140 | $176,950 (-) Land $46,810 Building $130,140 |
| 2023 | $1,049.00 (+7.59%) | $176,950 (+33.95%) Land $46,810 Building $130,140 | $176,950 (+33.95%) Land $46,810 Building $130,140 |
| 2022 | $975.00 | $132,100 Land $35,610 Building $96,490 | $132,100 Land $35,610 Building $96,490 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1399 Mercer Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 4 (1998–2009) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Nov 2009 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 1399 Mercer Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures