3734 Mariners Dr, Hayes, VA 23072 Property Records

Gloucester County property record for 3734 Mariners Dr, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,197 sqft · built 2013
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,394 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045C1 3 89`

Property Details

APN / Parcel Number

Primary APN	`045C1 3 89`
Alternative APN	`42639`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,197 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Area	460 sqft
Porch	Slab
Patio Area	170 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3734 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 89
Legal Subdivision	PLAT: PB25 666-666F
Legal Lot Number	89
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	3734 MARINERS DR, HAYES, VA 23072-2948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK
Mar 13, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC
May 30, 2019	Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3734 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3734 MARINERS DR, HAYES, VA 23072-2948

Mortgage

Document Number	0250003809
Date	Sep 12, 2025
Instrument	250003809

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3734 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Apr 24, 2024
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000836
Date	Mar 13, 2024
Instrument	240000836

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3734 MARINERS DR, HAYES, VA 23072-2948
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	THE CLOSERS OF VIRGINIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002221
Date	May 30, 2019
Instrument	190002221

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 22, 2049

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	$2,394.00 (+7.79%)	$410,630 (+13.48%) Land $77,500 Building $333,130	$410,630 (+13.48%) Land $77,500 Building $333,130
2025	$2,221.00 (-29.8%)	$361,850 (-5%) Land $77,500 Building $284,350	$361,850 (-5%) Land $77,500 Building $284,350
2024	$3,164.00 (+50.02%)	$723,700 (+1%) Land $155,000 Building $568,700	$723,700 (+1%) Land $155,000 Building $568,700
2023	$2,109.00 (+13.63%)	$361,850 (+41.35%) Land $77,500 Building $284,350	$361,850 (+41.35%) Land $77,500 Building $284,350
2022	$1,856.00	$256,000 Land $47,840 Building $208,160	$256,000 Land $47,840 Building $208,160

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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