1959 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 1959 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1978
Lot Size	0.491 acres (21,388 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2020)
Tax Bill	$2,095 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26388`

Property Details

APN / Parcel Number

Primary APN	`26388`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,388 sqft (0.491 acres)
Garage Area	280 sqft
Porch	Slab
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1959 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 HBR ANNEX SEC 1 BK.B LT 20
Legal Subdivision	PLAT: PB10 56
Legal Lot Number	20
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1057
Census Tract	100500

Owner

1959 E Snug Harbor Dr is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1959 E SNUG HARBOR DR, HAYES, VA 23072-3723
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
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 16, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Nov 24, 2020	Warranty Deed, Transfer · VA Mortgage HOMESPIRE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on File
Deed Sale	Nov 24, 2020 · Amount on File
Deed Document Number	20206557
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1959 E SNUG HARBOR DR, HAYES, VA 23072-3723
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001171
Date	Mar 11, 2020
Instrument	200001171

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.99%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	1959 E SNUG HARBOR DR, HAYES, VA 23072-3723
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170004934
Date	Oct 16, 2017
Instrument	170004934

Lender

Name	QUICKEN LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Nov 24, 2020
Property Address	1959 E SNUG HARBOR DR, HAYES, VA 23072-3723
Document Number	200006557
Instrument Date	Nov 9, 2020
Instrument	200006557
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	PENINSULA TITLE COMPANY INC

Transaction

Amount	Amount 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	1959 E SNUG HARBOR DR, HAYES, VA 23072-3723

Mortgage

Document Number	200006558
Date	Nov 24, 2020
Instrument	200006558

Lender

Name	HOMESPIRE MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1959 E Snug Harbor Dr was $2,095, up 16.2% 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	$2,095.00 (+16.2%)	$353,280 (+22.26%) Land $89,200 Building $264,080	$353,280 (+22.26%) Land $89,200 Building $264,080
2025	$1,803.00 (+5.25%)	$288,950 (-) Land $66,900 Building $222,050	$288,950 (-) Land $66,900 Building $222,050
2024	$1,713.00	$288,950 (-) Land $66,900 Building $222,050	$288,950 (-) Land $66,900 Building $222,050
2023	$1,713.00 (-4.19%)	$288,950 (+18.77%) Land $66,900 Building $222,050	$288,950 (+18.77%) Land $66,900 Building $222,050
2022	$1,788.00	$243,290 Land $55,570 Building $187,720	$243,290 Land $55,570 Building $187,720

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

Flood

FEMA maps place 1959 E Snug Harbor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 1959 E Snug Harbor Dr is low, with 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 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

1959 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on E Snug Harbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number