Gloucester County property record for 1924 E Snug Harbor Dr, Hayes, VA 23072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1977 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,664 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 10861 |
| Primary APN | 10861 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Deck Area | 256 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1924 E SNUG HARBOR DR |
|---|---|
| City | HAYES |
| State | VA |
| Zip | 23072-3726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | SNUG HARBOR ANNEX SEC 2 BK A |
| Legal Subdivision | PLAT: PB10 56 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | YORK |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 100500 |
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 | 1924 E SNUG HARBOR DR, HAYES, VA 23072-3726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Line of Credit LANGLEY FCU |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 1924 E SNUG HARBOR DR, HAYES, VA 23072-3726 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0250004133 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 250004133 |
| Name | LANGLEY FCU |
|---|---|
| Type | Credit Union |
| Address | NEWPORT NEWS, VA 23612 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Sep 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 1924 E SNUG HARBOR DR, HAYES, VA 23072-3726 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200001641 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 200001641 |
| Name | LANGLEY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
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 | $2,664.00 (+11.19%) | $449,160 (+16.94%) Land $122,890 Building $326,270 | $449,160 (+16.94%) Land $122,890 Building $326,270 |
| 2025 | $2,396.00 (+5.23%) | $384,080 (-) Land $111,720 Building $272,360 | $384,080 (-) Land $111,720 Building $272,360 |
| 2024 | $2,277.00 | $384,080 (-) Land $111,720 Building $272,360 | $384,080 (-) Land $111,720 Building $272,360 |
| 2023 | $2,277.00 (-4.97%) | $384,080 (+17.81%) Land $111,720 Building $272,360 | $384,080 (+17.81%) Land $111,720 Building $272,360 |
| 2022 | $2,396.00 | $326,020 Land $133,690 Building $192,330 | $326,020 Land $133,690 Building $192,330 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | 0.01% 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.
Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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