3243 Island Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 3243 Island Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1987
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,662 (2025)
Deeds & Mortgages	Mar 2017 Refinance Sep 2017 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28874`

Property Details

APN / Parcel Number

Primary APN	`28874`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
Gross Area	1,248 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,155 sqft (0.83 acres)
Porch	Open Porch
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3243 ISLAND RD
City	GLOUCESTER
State	VA
Zip	23061-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	SIGNPINE PARCEL 9
Legal Subdivision	PLAT: PB20 628
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	2
Census Block	2000
Census Tract	100102

Owner

Source: Gloucester County records · APN 28874

Assessment roll updated January 1, 2025 · Last verified November 2025

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 File
Mailing Address	3243 ISLAND RD, GLOUCESTER, VA 23061-3205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance MWABANK
Sep 20, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MWABANK
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jun 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 06, 1986
Deed Sale	Nov 06, 1986
Deed Document Number	0000031532
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3243 ISLAND RD, GLOUCESTER, VA 23061-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001296
Date	Mar 23, 2017
Instrument	170001296

Lender

Name	MWABANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	118 Months
Due	Jan 01, 2027

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3243 ISLAND RD, GLOUCESTER, VA 23061-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170004518
Date	Sep 20, 2017
Instrument	170004518

Lender

Name	MWABANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 01, 2027

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3243 ISLAND RD, GLOUCESTER, VA 23061-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2025
Title Company	UNKNOWN, THE CLOSING SHOP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190004729
Date	Oct 21, 2019
Instrument	190004729

Lender

Name	HOMESIDE FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2034

Interest

Rate Type	Fixed Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3243 ISLAND RD, GLOUCESTER, VA 23061-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002356
Date	Jun 21, 2023
Instrument	230002356

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2043

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Gloucester County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Gloucester County
Unified School District	Gloucester 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
2025	$1,662.00 (+5.32%)	$270,780 (-) Land $46,970 Building $223,810	$270,780 (-) Land $46,970 Building $223,810
2024	$1,578.00	$270,780 (-) Land $46,970 Building $223,810	$270,780 (-) Land $46,970 Building $223,810
2023	$1,578.00 (+4.71%)	$270,780 (+30.26%) Land $46,970 Building $223,810	$270,780 (+30.26%) Land $46,970 Building $223,810
2022	$1,507.00	$207,870 Land $33,410 Building $174,460	$207,870 Land $33,410 Building $174,460

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	3 (1999–2009)
Most Recent Claim	Nov 2009 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 85 locations within half a mile of this property.

Cell Coverage

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

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