Essex County property record for 3197 Tidewater Trl, Loretto, VA 22509
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,920 sqft · built 2008 |
| Lot Size | 1.31 acres (57,107 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,560 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5-4B |
| Primary APN | 5-4B |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| Basement Area | 1,920 sqft |
| Unfinished Basement | 1,920 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Raised Ranch |
| Exterior Material | Composition/Composite |
| Foundation Type | Masonry |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 57,107 sqft (1.31 acres) |
| Porch | Slab |
| Porch Area | 512 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Other |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 10715 |
|---|---|
| Street Address | 3197 TIDEWATER TRL |
| City | LORETTO |
| State | VA |
| Zip | 22509-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | ADJ BROOKINGS |
| Jurisdiction | ESSEX VA |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 950600 |
Source: Essex County records, as of October 1, 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 | 3197 TIDEWATER TRL, LORETTO, VA 22509-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit PRIME S BANK |
| Apr 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ESSEX BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX VA |
| Recording Date | Sep 28, 2026 |
| Property Address | 3197 TIDEWATER TRL, LORETTO, VA 22509-2011 |
| Document Number | 0000001253 |
| Instrument Date | Sep 21, 2026 |
| Instrument | 20261253 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | TERRY TITLE, TERRYS TITLE |
| Name | Verified Name |
|---|---|
| Address | 3197 TIDEWATER TRL, LORETTO, VA 22509-2011 |
| Document Number | 0000001253, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 20261253 |
| Name | PRIME S BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX VA |
| Property Address | 3197 TIDEWATER TRL, LORETTO, VA 22509-2011 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0190000444 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 190000444 |
| Name | ESSEX BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2034 |
| Rate Type | Fixed Rate |
|---|
Source: Essex County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Essex County |
| Unified School District | Essex County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,560.00 | $283,800 (-) Land $31,900 Building $251,900 | $283,800 (-) Land $31,900 Building $251,900 |
| 2025 | $1,560.00 (-10.76%) | $283,800 (+18.51%) Land $31,900 Building $251,900 | $283,800 (+18.51%) Land $31,900 Building $251,900 |
| 2023 | $1,748.00 | $239,466 Land $31,866 Building $207,600 | $239,466 Land $31,866 Building $207,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 20, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, as of December 31, 2025
5G and 4G LTE (outdoors only)
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