3731 Cappahosic Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 3731 Cappahosic Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1987
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,406 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`31668`

Property Details

APN / Parcel Number

Primary APN	`31668`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	67,518 sqft (1.55 acres)
Deck Area	265 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3731 CAPPAHOSIC RD
City	GLOUCESTER
State	VA
Zip	23061-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	THE COMMONS LOT 1
Legal Subdivision	PLAT: PB21 555
Legal Lot Number	1
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	2
Census Block	2019
Census Tract	100102

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	3731 CAPPAHOSIC RD, GLOUCESTER, VA 23061-3312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Gift Deed, Transfer · Conventional Mortgage LANGLEY FEDERAL CREDIT UNION
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 25, 2026
Transfer Doc	0000004015
Record Updated	Oct 29, 2026

September 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 1, 2026
Property Address	3731 CAPPAHOSIC RD, GLOUCESTER, VA 23061-3312
Document Number	0000004015
Instrument Date	Aug 25, 2026
Instrument	20264015
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3731 CAPPAHOSIC RD, GLOUCESTER, VA 23061-3312

Mortgage

Document Number	0000004016,
Date	Sep 1, 2026
Instrument	20264016

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3731 CAPPAHOSIC RD, GLOUCESTER, VA 23061-3312
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230003198
Date	Aug 18, 2023
Instrument	230003198

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Aug 3, 2045

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	$1,406.00 (+10.88%)	$241,220 (+16.75%) Land $70,190 Building $171,030	$241,220 (+16.75%) Land $70,190 Building $171,030
2025	$1,268.00 (+5.32%)	$206,610 (-) Land $62,590 Building $144,020	$206,610 (-) Land $62,590 Building $144,020
2024	$1,204.00	$206,610 (-) Land $62,590 Building $144,020	$206,610 (-) Land $62,590 Building $144,020
2023	$1,204.00 (+14.45%)	$206,610 (+42.38%) Land $62,590 Building $144,020	$206,610 (+42.38%) Land $62,590 Building $144,020
2022	$1,052.00	$145,110 Land $45,310 Building $99,800	$145,110 Land $45,310 Building $99,800

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
Flood Insurance Cost	Premium on Record median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	3 (1999–2009)
Most Recent Claim	Nov 2009 · tidal / storm surge

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	0.04% 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
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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