3698 Mariners Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 3698 Mariners Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,225 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Mar 2020)
Tax Bill	$2,248 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045C1 3 22`

Property Details

APN / Parcel Number

Primary APN	`045C1 3 22`
Alternative APN	`42572`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,225 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	460 sqft
Porch	Slab
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3698 MARINERS DR
City	HAYES
State	VA
Zip	23072-2951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SEAWELL'S TRACE SEC THREE LOT 22
Legal Subdivision	PLAT: PB25 666-666F
Legal Lot Number	22
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1019
Census Tract	100302

Owner

Source: Gloucester County records, as of August 17, 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	3698 MARINERS DR, HAYES, VA 23072-2951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · VA Mortgage PRIME LENDING
Nov 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance M SQUARED FINANCIAL LLC
Aug 25, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF VETERANS AFFAIRS
Mar 2, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	2020944
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Aug 3, 2026
Property Address	3698 MARINERS DR, HAYES, VA 23072-2951
Document Number	0000003434
Instrument Date	Jul 29, 2026
Instrument	20263434
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3698 MARINERS DR, HAYES, VA 23072-2951

Mortgage

Document Number	0000003434,
Date	Aug 3, 2026
Instrument	20263434

Lender

Name	PRIME LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3698 MARINERS DR, HAYES, VA 23072-2951
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006068
Date	Nov 21, 2022
Instrument	220006068

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3698 MARINERS DR, HAYES, VA 23072-2951
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200006338
Date	Nov 12, 2020
Instrument	200006338

Lender

Name	M SQUARED FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3698 MARINERS DR, HAYES, VA 23072-2951
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004698
Date	Aug 25, 2022
Instrument	220004698

Lender

Name	SECRETARY OF VETERANS AFFAIRS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Mar 2, 2020
Property Address	3698 MARINERS DR, HAYES, VA 23072-2951
Document Number	0200000944
Instrument Date	Feb 18, 2020
Instrument	200000944
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	3698 MARINERS DR, HAYES, VA 23072-2951

Mortgage

Document Number	0200000945
Date	Mar 2, 2020
Instrument	200000945

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

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
2025	$2,248.00 (+5.34%)	$366,140 (-) Land $77,500 Building $288,640	$366,140 (-) Land $77,500 Building $288,640
2023	$2,134.00 (+12.91%)	$366,140 (+40.44%) Land $77,500 Building $288,640	$366,140 (+40.44%) Land $77,500 Building $288,640
2022	$1,890.00	$260,700 Land $47,840 Building $212,860	$260,700 Land $47,840 Building $212,860

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (2003–2012)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 198 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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