1485 Mercer Rd, Gloucester Point, VA 23062 Property Records

Gloucester County property record for 1485 Mercer Rd, Gloucester Point, VA 23062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,086 sqft · built 1978
Lot Size	0.348 acres (15,159 sqft)
Owner	Individual Name on Record
Tax Bill	$3,133 (2026)
Deeds & Mortgages	May 2018 Line of Credit Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`051A1 0 J 3`

Property Details

APN / Parcel Number

Primary APN	`051A1 0 J 3`
Alternative APN	`34097`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,086 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,159 sqft (0.348 acres)
Garage Area	800 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1485 MERCER RD
City	GLOUCESTER POINT
State	VA
Zip	23062-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	LAFF HTS SEC 10 BK J LOT 3
Legal Subdivision	PLAT: PB1 316A
Legal Lot Number	3
Jurisdiction	GLOUCESTER VA
Township / Civil Division	GLOUCESTER POINT
Census Block Group	2
Census Block	2002
Census Tract	100301

Owner

Source: Gloucester County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1485 MERCER RD, GLOUCESTER POINT, VA 23062-2603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2018	Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE FEDERAL CREDIT UNION
Jul 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance 1ST ADVANTAGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1485 MERCER RD, GLOUCESTER PT, VA 23062-2603
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180002059
Date	May 14, 2018
Instrument	180002059

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 27, 2038

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1485 MERCER RD, GLOUCESTER PT, VA 23062-2603
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004745
Date	Jul 2, 2021
Instrument	210004745

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.49%

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	$3,133.00 (+15.74%)	$528,400 (+21.78%) Land $82,490 Building $445,910	$528,400 (+21.78%) Land $82,490 Building $445,910
2025	$2,707.00 (+5.25%)	$433,890 (-) Land $70,960 Building $362,930	$433,890 (-) Land $70,960 Building $362,930
2024	$2,572.00	$433,890 (-) Land $70,960 Building $362,930	$433,890 (-) Land $70,960 Building $362,930
2023	$2,572.00 (+4.89%)	$433,890 (+30.05%) Land $70,960 Building $362,930	$433,890 (+30.05%) Land $70,960 Building $362,930
2022	$2,452.00	$333,640 Land $45,780 Building $287,860	$333,640 Land $45,780 Building $287,860

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 100 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	Hurricane Isabel, Sep 2003 · 2 claims

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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