2043 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 2043 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 1988
Lot Size	0.483 acres (21,039 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Mar 2021)
Tax Bill	$1,874 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28900`

Property Details

APN / Parcel Number

Primary APN	`28900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,545 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,039 sqft (0.483 acres)
Garage Area	464 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2043 E SNUG HARBOR DR
City	HAYES
State	VA
Zip	23072-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SNUG HARBOR ANNEX SEC I 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	2043 E SNUG HARBOR DR, HAYES, VA 23072-3724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Deed Document Number	20211566
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Mar 2, 2021
Property Address	2043 E SNUG HARBOR DR, HAYES, VA 23072-3724
Document Number	210001566
Instrument Date	Feb 12, 2021
Instrument	210001566
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	2043 E SNUG HARBOR DR, HAYES, VA 23072-3724

Mortgage

Document Number	210001567
Date	Mar 2, 2021
Instrument	210001567

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,874.00 (+18.38%)	$316,050 (+24.51%) Land $88,840 Building $227,210	$316,050 (+24.51%) Land $88,840 Building $227,210
2025	$1,583.00 (+5.18%)	$253,840 (-) Land $66,630 Building $187,210	$253,840 (-) Land $66,630 Building $187,210
2024	$1,505.00	$253,840 (-) Land $66,630 Building $187,210	$253,840 (-) Land $66,630 Building $187,210
2023	$1,505.00 (+1.28%)	$253,840 (+25.55%) Land $66,630 Building $187,210	$253,840 (+25.55%) Land $66,630 Building $187,210
2022	$1,486.00	$202,180 Land $55,200 Building $146,980	$202,180 Land $55,200 Building $146,980

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 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