1949 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 1949 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,014 sqft · built 1977
Lot Size	0.462 acres (20,125 sqft)
Owner	Individual Name on Record
Tax Bill	$2,145 (2026)
Deeds & Mortgages	Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`16063`

Property Details

APN / Parcel Number

Primary APN	`16063`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,014 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,125 sqft (0.462 acres)
Pool Type	Above-Ground Pool
Porch	Slab
Deck Area	642 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1949 E SNUG HARBOR DR
City	HAYES
State	VA
Zip	23072-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SNUG HARBOR ANNEX SEC 1 BK B
Legal Subdivision	PLAT: PB10 56
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1057
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	Individual Name on Record
Mailing Address	1949 E SNUG HARBOR DR, HAYES, VA 23072-3723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 23, 2010
Transfer Doc	0000001420
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1949 E SNUG HARBOR DR, HAYES, VA 23072-3723
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005319
Date	Jul 28, 2021
Instrument	210005319

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	$2,145.00 (+16.39%)	$361,680 (+22.44%) Land $87,900 Building $273,780	$361,680 (+22.44%) Land $87,900 Building $273,780
2025	$1,843.00 (+5.25%)	$295,390 (-) Land $65,920 Building $229,470	$295,390 (-) Land $65,920 Building $229,470
2024	$1,751.00	$295,390 (-) Land $65,920 Building $229,470	$295,390 (-) Land $65,920 Building $229,470
2023	$1,751.00 (+4.35%)	$295,390 (+29.36%) Land $65,920 Building $229,470	$295,390 (+29.36%) Land $65,920 Building $229,470
2022	$1,678.00	$228,350 Land $53,640 Building $174,710	$228,350 Land $53,640 Building $174,710

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 500 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	0.01% 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.

Internet Providers

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