3726 Mariners Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 3726 Mariners Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,378 sqft · built 2009
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,900 (Aug 2009)
Tax Bill	$2,382 (2026)
Deeds & Mortgages	Feb 2024 Second Mortgage Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045C1 3 88`

Property Details

APN / Parcel Number

Primary APN	`045C1 3 88`
Alternative APN	`42638`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,378 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Area	814 sqft
Porch	Slab
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3726 MARINERS DR
City	HAYES
State	VA
Zip	23072-2948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SEAWELL'S TRACE SEC THREE LOT 88
Legal Subdivision	PLAT: PB25 666-666F
Legal Lot Number	88
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1021
Census Tract	100302

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	2 Individual Names on Record
Mailing Address	3726 MARINERS DR, HAYES, VA 23072-2948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Sep 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Apr 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2009 · Amount on Record
Deed Sale	Aug 6, 2009 · Amount on Record
Deed Document Number	20094769
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3726 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000360
Date	Feb 5, 2024
Instrument	240000360

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3726 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Nov 29, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000027
Date	Jan 4, 2022
Instrument	220000027

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3726 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Nov 29, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220005001
Date	Sep 12, 2022
Instrument	220005001

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3726 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001419
Date	Apr 17, 2023
Instrument	230001419

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Oct 1, 2051

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
2026	$2,382.00 (+7.69%)	$408,520 (+13.36%) Land $77,950 Building $330,570	$408,520 (+13.36%) Land $77,950 Building $330,570
2025	$2,212.00 (-29.8%)	$360,370 (-5%) Land $77,950 Building $282,420	$360,370 (-5%) Land $77,950 Building $282,420
2024	$3,151.00 (+50.05%)	$720,740 (+1%) Land $155,900 Building $564,840	$720,740 (+1%) Land $155,900 Building $564,840
2023	$2,100.00 (+12.12%)	$360,370 (+39.43%) Land $77,950 Building $282,420	$360,370 (+39.43%) Land $77,950 Building $282,420
2022	$1,873.00	$258,460 Land $48,960 Building $209,500	$258,460 Land $48,960 Building $209,500

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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