Essex County property record for 3709 Tidewater Trl, Loretto, VA 22509
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 2005 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,180 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 5-5A1 |
| Primary APN | 5-5A1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Basement Area | 1,350 sqft |
| Unfinished Basement | 1,350 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Porch | Slab |
| Porch Area | 150 sqft |
| Deck Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Other |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 10763 |
|---|---|
| Street Address | 3709 TIDEWATER TRL |
| City | LORETTO |
| State | VA |
| Zip | 22509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | SAYLES FAMILY SUBDIVISION LOT 1 |
| Legal Subdivision | SAYLES FAMILY SUBDIVISION |
| Legal Lot Number | 1 |
| Jurisdiction | ESSEX VA |
| Township / Civil Division | NORTH |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 950600 |
Source: Essex County records, as of August 18, 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 | PO BOX 83, CHAMPLAIN, VA 22438-0083 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESSEX VA |
| Property Address | 3709 TIDEWATER TRL, LORETTO, VA 22509 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210002148 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 210002148 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
Source: Essex County assessment roll, as of October 6, 2025
| 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 | $1,180.00 | $214,600 (-) Land $30,600 Building $184,000 | $214,600 (-) Land $30,600 Building $184,000 |
| 2025 | $1,180.00 (-7.74%) | $214,600 (+22.42%) Land $30,600 Building $184,000 | $214,600 (+22.42%) Land $30,600 Building $184,000 |
| 2023 | $1,279.00 | $175,300 Land $30,000 Building $145,300 | $175,300 Land $30,000 Building $145,300 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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