1925 Cuba Ln, Hayes, VA 23072 Property Records

Gloucester County property record for 1925 Cuba Ln, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,777 sqft · built 2006
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on File
Last Sale	$498,000 (Jun 2020)
Tax Bill	$3,799 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13469`

Property Details

APN / Parcel Number

Primary APN	`13469`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,777 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	74,923 sqft (1.72 acres)
Garage Type	Mixed
Garage Area	576 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1925 CUBA LN
City	HAYES
State	VA
Zip	23072-3911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	CUBA PARCEL 1
Legal Subdivision	PLAT: PB25 283
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1052
Census Tract	100500

Owner

1925 Cuba Ln is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1925 CUBA LN, HAYES, VA 23072-3911
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage GOPRIME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on File
Deed Sale	Jun 8, 2020 · Amount on File
Deed Document Number	20202672
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1925 CUBA LN, HAYES, VA 23072-3911
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	NOT AVAILABLE, THE CLOSERS OF VIRGINIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230003836
Date	Oct 11, 2023
Instrument	230003836

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2043

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 8, 2020
Property Address	1925 CUBA LN, HAYES, VA 23072-3911
Document Number	200002672
Instrument Date	May 28, 2020
Instrument	200002672
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	NOT AVAILABLE, BAY TITLE LLC

Transaction

Amount	Amount on Record
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	1925 CUBA LN, HAYES, VA 23072-3911

Mortgage

Document Number	200002673
Date	Jun 8, 2020
Instrument	200002673

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1925 Cuba Ln was $3,799, up 15.1% from the year before.

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	$3,799.00 (+15.12%)	$640,580 (+21.1%) Land $303,400 Building $337,180	$640,580 (+21.1%) Land $303,400 Building $337,180
2025	$3,300.00 (+5.23%)	$528,950 (-) Land $248,300 Building $280,650	$528,950 (-) Land $248,300 Building $280,650
2024	$3,136.00	$528,950 (-) Land $248,300 Building $280,650	$528,950 (-) Land $248,300 Building $280,650
2023	$3,136.00 (-1.32%)	$528,950 (+22.32%) Land $248,300 Building $280,650	$528,950 (+22.32%) Land $248,300 Building $280,650
2022	$3,178.00	$432,430 Land $215,200 Building $217,230	$432,430 Land $215,200 Building $217,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1925 Cuba Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1925 Cuba Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 12 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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