3045 Guinea Cir, Hayes, VA 23072 Property Records

Gloucester County property record for 3045 Guinea Cir, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,871 sqft · built 1880
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on Record
Tax Bill	$1,326 (2026)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`17255`

Property Details

APN / Parcel Number

Primary APN	`17255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,871 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,787 sqft (1.12 acres)
Garage Area	720 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3045 GUINEA CIR
City	HAYES
State	VA
Zip	23072-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	SEVERN
Legal Subdivision	PLAT: SPV180 `99
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1018
Census Tract	100500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3045 GUINEA CIR, HAYES, VA 23072-4219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3045 GUINEA CIR, HAYES, VA 23072-4219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190001084
Date	Mar 18, 2019
Instrument	190001084

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$1,326.00 (+3.92%)	$223,630 (+9.28%) Land $51,620 Building $172,010	$223,630 (+9.28%) Land $51,620 Building $172,010
2025	$1,276.00 (+5.19%)	$204,640 (-) Land $51,620 Building $153,020	$204,640 (-) Land $51,620 Building $153,020
2024	$1,213.00	$204,640 (-) Land $51,620 Building $153,020	$204,640 (-) Land $51,620 Building $153,020
2023	$1,213.00 (+2.45%)	$204,640 (+26.95%) Land $51,620 Building $153,020	$204,640 (+26.95%) Land $51,620 Building $153,020
2022	$1,184.00	$161,200 Land $36,630 Building $124,570	$161,200 Land $36,630 Building $124,570

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% 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 34 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20