2259 Cramer Ln, Hayes, VA 23072 Property Records

Gloucester County property record for 2259 Cramer Ln, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 4,286 sqft · built 1996
Lot Size	6.49 acres (282,704 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,284 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2019 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`26438`

Property Details

APN / Parcel Number

Primary APN	`26438`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,286 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	282,704 sqft (6.49 acres)
Garage Area	256 sqft
Pool Type	Above-Ground Pool
Porch	Slab
Deck Area	268 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2259 CRAMER LN
City	HAYES
State	VA
Zip	23072-4036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	ACHILLES PARCEL 2
Legal Subdivision	PLAT: PB25 1013 1023
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1037
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	2259 CRAMER LN, HAYES, VA 23072-4036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 26, 2019	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION
Jan 26, 2021	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

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

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	2259 CRAMER LN, HAYES, VA 23072-4036
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2259 CRAMER LN, HAYES, VA 23072-4036

Mortgage

Document Number	0260000124
Date	Jan 9, 2026
Instrument	260000124

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	2259 CRAMER LN, HAYES, VA 23072-4036
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190004280
Date	Sep 26, 2019
Instrument	190004280

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Sep 17, 2026

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jan 26, 2021
Property Address	2259 CRAMER LN, HAYES, VA 23072-4036
Document Number	0210000717
Instrument Date	Dec 7, 2020
Instrument	210000717
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	LYTLE TITLE AND ESCROW LLC, LYTLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
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	2259 CRAMER LN, HAYES, VA 23072-4036

Mortgage

Document Number	0210000718
Date	Jan 26, 2021
Instrument	210000718

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA 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	$4,284.00 (+4,059.22%)	$722,510 (+19.72%) Land $239,740 Building $482,770	$722,510 (+19.72%) Land $239,740 Building $482,770
2025	$103.00 (+5.1%)	$603,510 (-) Land $203,470 Building $400,040	$603,510 (-) Land $203,470 Building $400,040
2024	$98.00 (-97.26%)	$603,510 (-) Land $203,470 Building $400,040	$603,510 (-) Land $203,470 Building $400,040
2023	$3,578.00 (-10.68%)	$603,510 (+10.7%) Land $203,470 Building $400,040	$603,510 (+10.7%) Land $203,470 Building $400,040
2022	$4,006.00	$545,160 Land $176,290 Building $368,870	$545,160 Land $176,290 Building $368,870

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
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 67% of the US · above 54% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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