3445 Severn River Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 3445 Severn River Rd, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,904 sqft · built 1975
Lot Size	4.84 acres (210,961 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Jun 2021)
Tax Bill	$2,477 (2026)
Deeds & Mortgages	Jun 2021 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`19121`

Property Details

APN / Parcel Number

Primary APN	`19121`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	210,961 sqft (4.84 acres)
Garage Area	216 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3445 SEVERN RIVER RD
City	HAYES
State	VA
Zip	23072-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	SADLER'S NECK PARCEL B SEVERN RIVER - SOUTHWEST BRANCH
Legal Subdivision	PLAT: ID 2104020
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1052
Census Tract	100400

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	Company Name on Record
Mailing Address	295 ENON HALL RD, WHITE STONE, VA 22578-2728
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Apr 26, 2007 · Amount on Record
Deed Document Number	20214019
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 3, 2021
Property Address	3445 SEVERN RIVER RD, HAYES, VA 23072-4551
Document Number	0210004019
Instrument Date	Apr 14, 2021
Instrument	210004019
Transaction Type	Transfer
Record Updated	Oct 27, 2025
Title Company	PREMIER TITLE AND ESCROW LLC, RIVER TITLE & ESCROW LLC

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	295 ENON HALL RD, WHITE STONE, VA 22578-2728

Mortgage

Document Number	0210004021
Date	Jun 3, 2021
Instrument	210004021

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$2,477.00 (+9.55%)	$417,770 (+15.25%) Land $111,540 Building $306,230	$417,770 (+15.25%) Land $111,540 Building $306,230
2025	$2,261.00 (+5.21%)	$362,490 (-) Land $98,240 Building $264,250	$362,490 (-) Land $98,240 Building $264,250
2024	$2,149.00 (+2.33%)	$362,490 (+2.35%) Land $98,240 Building $264,250	$362,490 (+2.35%) Land $98,240 Building $264,250
2023	$2,100.00 (-4.98%)	$354,170 (+17.26%) Land $98,240 Building $255,930	$354,170 (+17.26%) Land $98,240 Building $255,930
2022	$2,210.00	$302,040 Land $115,940 Building $186,100	$302,040 Land $115,940 Building $186,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 252 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	252 in force
Nearby Flood Claims	137 (1991–2025)
Claims Outside the SFHA	3 of 137
Most Recent Claim	Oct 2025 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 9 claims Hurricane Isabel, Sep 2003 · 91 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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 28 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
Starlink Satellite	280 / 30