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  5. Cross Rd

1978 Cross Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 1978 Cross Rd, Hayes, VA 23072 · Last verified November 2025

Property Summary

Property TypeManufactured or Modular Home
Lot Size0.75 acres (32,670 sqft)
OwnerIndividual Name on File
Last Sale$550,000 (Sep 2023)
Tax Bill$2,419 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Jun 2019 Sale
Flood ZoneZone AE (high risk)
APN30370

Property Details

APN / Parcel Number

Primary APN30370

Exterior

Architectural StyleModular
Lot Area32,670 sqft (0.75 acres)

Location & Zoning

Street Address1978 CROSS RD
CityHAYES
StateVA
Zip23072-4105
Property CategoryResidential
Property TypeResidential > Prefabricated > Manufactured or Modular Home
Legal DescriptionJENKINS NECK
Legal SubdivisionPLAT: PDB85 450
JurisdictionGLOUCESTER VA
Township / Civil DivisionYORK
Census Block Group1
Census Block1043
Census Tract100500

Owner

Source: Gloucester County records · APN 30370

Assessment roll updated January 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1978 CROSS RD, HAYES, VA 23072-4105
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 26, 2023Warranty Deed, Transfer · Conventional Mortgage
AMERICAN PACIFIC MORTGAGE CORPORATI
Jun 12, 2019Warranty Deed, Transfer
FIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 26, 2023 · Amount on Record
Deed SaleSep 26, 2023 · Amount on Record
Deed Document NumberID 2303643
Record UpdatedJun 08, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGLOUCESTER VA
Recording DateSep 26, 2023
Property Address1978 CROSS RD, HAYES, VA 23072-4105
Document Number0230003643
Instrument DateSep 21, 2023
Instrument230003643
Transaction TypeTransfer
Record UpdatedNov 28, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1978 CROSS RD, HAYES, VA 23072-4105

Mortgage

Document Number0230003644
DateSep 26, 2023
Instrument230003644
Lender
NameAMERICAN PACIFIC MORTGAGE CORPORATI
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGLOUCESTER VA
Recording DateJun 12, 2019
Property Address1978 CROSS RD, HAYES, VA 23072-4105
Document Number0190002430
Instrument DateJun 07, 2019
Instrument190002430
Transaction TypeTransfer
Record UpdatedNov 28, 2023
Title CompanyFIRST VA TITLE AND ESCROW LLC, FIRST VA TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address14413 HUNTGATE WOODS RD, MIDLOTHIAN, VA 23112-4362

Tax Assessment & Valuation

Source: Gloucester County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,419.00 (+5.27%)$387,680 (-) Land $196,230 Building $191,450$387,680 (-) Land $196,230 Building $191,450
2024$2,298.00 (+2.86%)$387,680 (+2.9%) Land $196,230 Building $191,450$387,680 (+2.9%) Land $196,230 Building $191,450
2023$2,234.00 (+260.32%)$376,770 (+346.52%) Land $196,230 Building $180,540$376,770 (+346.52%) Land $196,230 Building $180,540
2022$620.00$84,380 Land $84,380$84,380 Land $84,380

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gloucester County (51073C), updated October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510731005001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 573 individual NFIP policies nearby
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 Storm
  • Hurricane Irene, Aug 2011 · 19 claims
  • Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 24 claims
  • Hurricane Isabel, Sep 2003 · 138 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 35
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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