2072 E Snug Harbor Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 2072 E Snug Harbor Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,624 sqft · built 1982
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jun 2026)
Tax Bill	$2,652 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25007`

Property Details

APN / Parcel Number

Primary APN	`25007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Garage Area	1,152 sqft
Porch	Slab
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2072 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 HAR.ANNEX SEC 2 BK.A LOT 14 SNUG HARBOR CANAL
Legal Subdivision	PLAT: PB25 467
Legal Lot Number	14
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	2072 E SNUG HARBOR DR, HAYES, VA 23072-3725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Deed Document Number	20262587
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0000004354
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 12, 2026
Property Address	2072 E SNUG HARBOR DR, HAYES, VA 23072-3725
Document Number	0000002587
Instrument Date	Jun 10, 2026
Instrument	20262587
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2072 E SNUG HARBOR DR, HAYES, VA 23072-3725

Mortgage

Document Number	0000002588,
Date	Jun 12, 2026
Instrument	20262588

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$2,652.00 (+29.37%)	$447,160 (+36.11%) Land $51,460 Building $395,700	$447,160 (+36.11%) Land $51,460 Building $395,700
2025	$2,050.00 (+5.24%)	$328,530 (-) Land $86,340 Building $242,190	$328,530 (-) Land $86,340 Building $242,190
2024	$1,948.00	$328,530 (-) Land $86,340 Building $242,190	$328,530 (-) Land $86,340 Building $242,190
2023	$1,948.00 (+3.51%)	$328,530 (+28.27%) Land $86,340 Building $242,190	$328,530 (+28.27%) Land $86,340 Building $242,190
2022	$1,882.00	$256,130 Land $78,400 Building $177,730	$256,130 Land $78,400 Building $177,730

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