1540 Fleming Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 1540 Fleming Rd, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,784 sqft · built 1971
Lot Size	5.8 acres (252,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Sep 2019)
Tax Bill	$6,654 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (moderate risk)
APN	`22717`

Property Details

APN / Parcel Number

Primary APN	`22717`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,784 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	252,648 sqft (5.8 acres)
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1540 FLEMING RD
City	HAYES
State	VA
Zip	23072-3857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	BENA PARCEL D YORK RIVER
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1078
Census Tract	100500

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	2 Individual Names on Record
Mailing Address	1540 FLEMING RD, HAYES, VA 23072-3857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Apr 3, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK
Sep 13, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	20194016
Prior Transfer Date	Aug 28, 2019
Prior Transfer Doc	0000004015
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1540 FLEMING RD, HAYES, VA 23072-3857
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001590
Date	Apr 3, 2020
Instrument	200001590

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.63%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1540 FLEMING RD, HAYES, VA 23072-3857
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001535
Date	Mar 1, 2021
Instrument	210001535

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.88%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1540 FLEMING RD, HAYES, VA 23072-3857
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001589
Date	Apr 3, 2020
Instrument	200001589

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.63%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 13, 2019
Property Address	1540 FLEMING RD, HAYES, VA 23072-3857
Document Number	190004016
Instrument Date	Aug 28, 2019
Instrument	190004016
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1540 FLEMING RD, HAYES, VA 23072-3857

Mortgage

Document Number	190004017
Date	Sep 13, 2019
Instrument	190004017

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional 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	$6,654.00 (+19.53%)	$1,122,160 (+25.77%) Land $474,330 Building $647,830	$1,122,160 (+25.77%) Land $474,330 Building $647,830
2025	$5,567.00 (+5.24%)	$892,210 (-) Land $357,000 Building $535,210	$892,210 (-) Land $357,000 Building $535,210
2024	$5,290.00	$892,210 (-) Land $357,000 Building $535,210	$892,210 (-) Land $357,000 Building $535,210
2023	$5,290.00 (+5.88%)	$892,210 (+31.26%) Land $357,000 Building $535,210	$892,210 (+31.26%) Land $357,000 Building $535,210
2022	$4,996.00	$679,730 Land $306,000 Building $373,730	$679,730 Land $306,000 Building $373,730

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 573 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	573 in force
Nearby Flood Claims	268 (1982–2025)
Claims Outside the SFHA	3 of 268
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 19 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 24 claims Hurricane Isabel, Sep 2003 · 138 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.03% 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 49 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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