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1898 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 1898 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,690 sqft · built 1984
Lot Size0.566 acres (24,655 sqft)
Owner2 Individual Names on File
Tax Bill$2,893 (2026)
Deeds & MortgagesApr 2026 Line of Credit
Nov 2021 Refinance
Flood ZoneZone X (minimal risk)
APN16576

Property Details

APN / Parcel Number

Primary APN16576

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,690 sqft Living Area
AtticAttic
Attic Area378 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialBrick Veneer
Foundation TypeRaised
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area24,655 sqft (0.566 acres)
Garage Area378 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Street Address1898 E SNUG HARBOR DR
CityHAYES
StateVA
Zip23072-3727
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSF-1
Legal DescriptionSARAHS CK SEC 3 GRP C LOT 6
Legal SubdivisionPLAT: PB4 73
Legal Lot Number6
JurisdictionGLOUCESTER VA
Township / Civil DivisionYORK
Census Block Group1
Census Block1057
Census Tract100500

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 Record2 Individual Names on File
Mailing Address1898 E SNUG HARBOR DR, HAYES, VA 23072-3727
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 22, 2026Deed of Trust, Mortgage · Line of Credit
TRUST BANK
Nov 4, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGLOUCESTER VA
Recording DateApr 22, 2026
Property Address1898 E SNUG HARBOR DR, HAYES, VA 23072-3727
Document Number0000001738
Instrument DateMar 9, 2026
Instrument20261738
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1898 E SNUG HARBOR DR, HAYES, VA 23072-3727

Mortgage

Document Number0000001738,
DateApr 22, 2026
Instrument20261738
Lender
NameTRUST BANK
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate6.11%
Max Rate-1%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGLOUCESTER VA
Property Address1898 E SNUG HARBOR DR, HAYES, VA 23072-3727
Transaction TypeMortgage
Record UpdatedDec 23, 2021
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0210007849
DateNov 4, 2021
Instrument210007849
Lender
NameUSAA FEDERAL SAVINGS BANK
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term358 Months
DueSep 1, 2051
Interest
Rate TypeFixed Rate
Rate2.5%

Tax Assessment & Valuation

Source: Gloucester County assessment roll, as of October 27, 2025

Property Jurisdictions

TypeName
StateVirginia
CountyGloucester County
Unified School DistrictGloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,893.00 (+17.03%)$487,890 (+23.13%) Land $154,370 Building $333,520$487,890 (+23.13%) Land $154,370 Building $333,520
2025$2,472.00 (+5.24%)$396,230 (-) Land $117,370 Building $278,860$396,230 (-) Land $117,370 Building $278,860
2024$2,349.00 (+0.82%)$396,230 (+0.82%) Land $117,370 Building $278,860$396,230 (+0.82%) Land $117,370 Building $278,860
2023$2,330.00 (-11.68%)$393,020 (+9.48%) Land $117,370 Building $275,650$393,020 (+9.48%) Land $117,370 Building $275,650
2022$2,638.00$358,980 Land $175,010 Building $183,970$358,980 Land $175,010 Building $183,970

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 573 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies573 in force
Nearby Flood Claims268 (1982–2025)
Claims Outside the SFHA3 of 268
Most Recent ClaimOct 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 RiskLow
lower than 94% of the US · lower than 96% of Virginia
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 98 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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