Essex County property record for 3482 Tidewater Trl, Loretto, VA 22509
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,364 sqft · built 2013 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,759 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5-5B |
| Primary APN | 5-5B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,364 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Contemporary |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Garage Area | 1,368 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Patio Area | 612 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Other |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 9851 |
|---|---|
| Street Address | 3482 TIDEWATER TRL |
| City | LORETTO |
| State | VA |
| Zip | 22509-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | ADJ IRAVILLE |
| Jurisdiction | ESSEX VA |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 950600 |
Source: Essex County records · APN 5-5B
Assessment roll updated October 6, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 3482 TIDEWATER TRL, LORETTO, VA 22509-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX VA |
| Property Address | 3482 TIDEWATER TRL, LORETTO, VA 22509-2010 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200000505 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 200000505 |
| Name | C&F MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Essex County records · Assessment roll updated October 6, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Essex County |
| Unified School District | Essex County Public Schools (PK - 12) |
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 |
|---|---|---|---|
| 2026 | $2,759.00 (+0.04%) | $501,600 (-) Land $38,800 Building $462,800 | $501,600 (-) Land $38,800 Building $462,800 |
| 2025 | $2,758.00 (+11.8%) | $501,600 (+48.41%) Land $38,800 Building $462,800 | $501,600 (+48.41%) Land $38,800 Building $462,800 |
| 2023 | $2,467.00 | $337,984 Land $37,000 Building $300,984 | $337,984 Land $37,000 Building $300,984 |
Source: FEMA National Flood Hazard Layer, Essex County (51057C), updated October 20, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| 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 |
| 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 |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 4 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cogeco Cable Holdings II Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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