2012 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 2012 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,651 sqft · built 1987
Lot Size	0.581 acres (25,308 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,920 (2026)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28284`

Property Details

APN / Parcel Number

Primary APN	`28284`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,651 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,308 sqft (0.581 acres)
Garage Area	594 sqft
Porch	Slab
Deck Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2012 E SNUG HARBOR DR
City	HAYES
State	VA
Zip	23072-3725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SNUG HARBOR ANNEX SEC 2 LOT 9 SNUG HARBOR CANAL
Legal Subdivision	PLAT: PB10 56
Legal Lot Number	9
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	2 Individual Names on Record
Mailing Address	2012 E SNUG HARBOR DR, HAYES, VA 23072-3725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	2012 E SNUG HARBOR DR, HAYES, VA 23072-3725
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	THE CLOSING SHOP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001354
Date	Mar 20, 2020
Instrument	200001354

Lender

Name	TRUIST BANK

Agreement

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

Interest

Rate Type	Fixed Rate

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	$2,920.00 (+10.98%)	$492,440 (+16.75%) Land $95,680 Building $396,760	$492,440 (+16.75%) Land $95,680 Building $396,760
2025	$2,631.00 (+5.2%)	$421,790 (-) Land $86,990 Building $334,800	$421,790 (-) Land $86,990 Building $334,800
2024	$2,501.00	$421,790 (-) Land $86,990 Building $334,800	$421,790 (-) Land $86,990 Building $334,800
2023	$2,501.00 (+3.22%)	$421,790 (+27.93%) Land $86,990 Building $334,800	$421,790 (+27.93%) Land $86,990 Building $334,800
2022	$2,423.00	$329,700 Land $77,840 Building $251,860	$329,700 Land $77,840 Building $251,860

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 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	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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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