2971 Tidewater Trl, Loretto, VA 22509 Property Records

Essex County property record for 2971 Tidewater Trl, Loretto, VA 22509

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1972
Lot Size	3.69 acres (160,736 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Aug 2026)
Tax Bill	$869 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`5-3B`

Property Details

APN / Parcel Number

Primary APN	`5-3B`
Alternative APN	`6246`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	160,736 sqft (3.69 acres)
Porch	Porch
Deck Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6246
Street Address	2971 TIDEWATER TRL
City	LORETTO
State	VA
Zip	22509-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	ADJ ALLEN & CREEK
Legal Subdivision	ADJ ALLEN & CREEK
Jurisdiction	ESSEX VA
Township / Civil Division	NORTH
Census Block Group	1
Census Block	1025
Census Tract	950600

Owner

Source: Essex County records · APN 5-3B

Assessment roll updated October 6, 2025 · Last verified August 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 File
Mailing Address	2971 TIDEWATER TRL, LORETTO, VA 22509-2008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 07, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED BANK
Jul 31, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 07, 2026 · Amount on Record
Deed Sale	Aug 07, 2026 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	2026963
Record Updated	Sep 20, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ESSEX VA
Recording Date	Aug 07, 2026
Property Address	2971 TIDEWATER TRL, LORETTO, VA 22509-2008
Document Number	0000000963
Instrument Date	Aug 05, 2026
Instrument	2026963
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$15,150.00
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	2971 TIDEWATER TRL, LORETTO, VA 22509-2008

Mortgage

Document Number	0000000964,
Date	Aug 07, 2026
Instrument	2026964

Lender

Name	UNITED BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX VA
Recording Date	Jul 31, 2020
Property Address	2971 TIDEWATER TRL, LORETTO, VA 22509-2008
Document Number	200000892
Instrument Date	Jul 17, 2020
Instrument	200000892
Transaction Type	Transfer
Record Updated	Sep 06, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	3439 DAINGERFIELD LNDG, CHAMPLAIN, VA 22438-2010

Tax Assessment & Valuation

Source: Essex County records · Assessment roll updated October 6, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Essex County
Unified School District	Essex County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$869.00	$158,000 (-) Land $30,500 Building $127,500	$158,000 (-) Land $30,500 Building $127,500
2025	$869.00 (-9.67%)	$158,000 (+19.81%) Land $30,500 Building $127,500	$158,000 (+19.81%) Land $30,500 Building $127,500
2023	$962.00	$131,870 Land $29,845 Building $102,025	$131,870 Land $29,845 Building $102,025

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 20, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Individually Listed	Elmwood listed 1970 · 1 contributing resources · NRIS 70000790

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Cogeco Cable Holdings II.

Based on FCC filings for 3 locations within half a mile of this property.

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