2664 Heptinstall Ln, Saluda, VA 23149 Property Records

Gloucester County property record for 2664 Heptinstall Ln, Saluda, VA 23149

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,557 sqft · built 1994
Lot Size	12.1 acres (530,996 sqft)
Owner	Trust Name on File
Tax Bill	$2,826 (2026)
Deeds & Mortgages	Nov 2021 Transfer Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18652`

Property Details

APN / Parcel Number

Primary APN	`18652`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,557 sqft Living Area
1st Floor Area	950 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	530,996 sqft (12.1 acres)
Garage Area	504 sqft
Porch	Slab
Deck Area	734 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2664 HEPTINSTALL LN
City	SALUDA
State	VA
Zip	23149-2666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC-1
Legal Description	DRAGON PARCEL 2
Legal Subdivision	PLAT: PB21 779779AP
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2006
Census Tract	100101

Owner

2664 Heptinstall Ln is owner-occupied and held in a trust since October 2021.

Source: Gloucester County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Intrafamily Transfer, Transfer
Nov 3, 2021	Intrafamily Transfer, Transfer
May 16, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS & FARMERS BANK
Sep 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 21, 2021
Transfer Doc	0000008118
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Nov 15, 2021
Property Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666
Document Number	210008118
Instrument Date	Oct 21, 2021
Instrument	210008118
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Nov 3, 2021
Property Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666
Document Number	210007775
Instrument Date	Oct 21, 2021
Instrument	210007775
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170002240
Date	May 16, 2017
Instrument	170002240

Lender

Name	CITIZENS & FARMERS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	2664 HEPTINSTALL LN, SALUDA, VA 23149-2666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE/MID PENINSULA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200004569
Date	Sep 2, 2020
Instrument	200004569

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2664 Heptinstall Ln was $2,826, up 5.5% from the year before.

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	$2,826.00 (+5.53%)	$484,720 (+11.13%) Land $96,370 Building $388,350	$484,720 (+11.13%) Land $96,370 Building $388,350
2025	$2,678.00 (+5.35%)	$436,160 (-) Land $93,180 Building $342,980	$436,160 (-) Land $93,180 Building $342,980
2024	$2,542.00	$436,160 (-) Land $93,180 Building $342,980	$436,160 (-) Land $93,180 Building $342,980
2023	$2,542.00 (-2.53%)	$436,160 (+21.25%) Land $93,180 Building $342,980	$436,160 (+21.25%) Land $93,180 Building $342,980
2022	$2,608.00	$359,730 Land $77,320 Building $282,410	$359,730 Land $77,320 Building $282,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2664 Heptinstall Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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

Wildfire risk around 2664 Heptinstall Ln is low, with a 0.03% annual chance of 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	0.03% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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