3072 Mill Point Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 3072 Mill Point Rd, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Nov 2023)
Tax Bill	$1,750 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`25648`

Property Details

APN / Parcel Number

Primary APN	`25648`

Exterior

Lot Area	33,106 sqft (0.76 acres)

Location & Zoning

Street Address	3072 MILL POINT RD
City	HAYES
State	VA
Zip	23072-4320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	SUNSET POINT SUB LOT 4 ROWES CREEK
Legal Subdivision	SUNSET POINT
Legal Lot Number	4
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1030
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	3072 MILL POINT RD, HAYES, VA 23072-4320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP
Nov 21, 2023	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Jun 16, 2023	Warranty Deed, Transfer · Commercial Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2023 · Amount on Record
Deed Sale	Nov 21, 2023 · Amount on Record
Prior Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	20234430
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3072 MILL POINT RD, HAYES, VA 23072-4320
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3072 MIIII POINT ROAD, HAYES, VA 23072

Mortgage

Document Number	0260000405
Date	Jan 28, 2026
Instrument	260000405

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Nov 21, 2023
Property Address	3072 MILL POINT RD, HAYES, VA 23072-4320
Document Number	0230004430
Instrument Date	Nov 13, 2023
Instrument	230004430
Transaction Type	Transfer
Record Updated	Jan 3, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	3072 MILL POINT RD, HAYES, VA 23072-4320

Mortgage

Document Number	0230004431
Date	Nov 21, 2023
Instrument	230004431

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 16, 2023
Property Address	3072 MILL POINT RD, HAYES, VA 23072-4320
Document Number	0230002292
Instrument Date	May 18, 2023
Instrument	230002292
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	MERIDIAN TITLE COMPANY INC, MERLIN TITLE COMPANY INC

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	909 CATALINA DR, NEWPORT NEWS, VA 23608-2505
Investor	Possibly a Property Investor

Mortgage

Document Number	0230002293
Date	Jun 16, 2023
Instrument	230002293

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Commercial 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	$1,750.00 (+2.22%)	$295,050 (+7.52%) Land $70,850 Building $224,200	$295,050 (+7.52%) Land $70,850 Building $224,200
2025	$1,712.00 (+5.22%)	$274,410 (-) Land $70,850 Building $203,560	$274,410 (-) Land $70,850 Building $203,560
2024	$1,627.00 (+136.83%)	$274,410 (+136.68%) Land $70,850 Building $203,560	$274,410 (+136.68%) Land $70,850 Building $203,560
2023	$687.00 (-26.99%)	$115,940 (-9.53%) Land $70,850 Building $45,090	$115,940 (-9.53%) Land $70,850 Building $45,090
2022	$941.00	$128,150 Land $94,240 Building $33,910	$128,150 Land $94,240 Building $33,910

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	8.0 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 64% of the US · above 60% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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