3809 Stream Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 3809 Stream Dr, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 2002
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individuals on Record
Last Sale	$320,000 (Jul 2026)
Tax Bill	$1,465 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29085`

Property Details

APN / Parcel Number

Primary APN	`29085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	91,912 sqft (2.11 acres)
Garage Area	308 sqft
Porch	Slab
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3809 STREAM DR
City	GLOUCESTER
State	VA
Zip	23061-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	POPLAR SPRINGS LOT 34
Legal Subdivision	PLAT: PB21 208
Legal Lot Number	34
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	1
Census Block	1011
Census Tract	100102

Owner

Source: Gloucester County assessment roll, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	3809 STREAM DR, GLOUCESTER, VA 23061-3113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Bargain and Sale Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Dec 12, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on Record
Deed Sale	Jul 22, 2026 · Amount on Record
Deed Document Number	20263214
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jul 22, 2026
Property Address	3809 STREAM DR, GLOUCESTER, VA 23061-3113
Document Number	0000003214
Instrument Date	Jul 16, 2026
Instrument	20263214
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 STREAM DR, GLOUCESTER, VA 23061-3113

Mortgage

Document Number	0000003215,
Date	Jul 22, 2026
Instrument	20263215

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate	6.52%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3809 STREAM DR, GLOUCESTER, VA 23061-3113
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170005879
Date	Dec 12, 2017
Instrument	170005879

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.88%

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	$1,465.00 (+5.32%)	$238,670 (-) Land $75,610 Building $163,060	$238,670 (-) Land $75,610 Building $163,060
2024	$1,391.00	$238,670 (-) Land $75,610 Building $163,060	$238,670 (-) Land $75,610 Building $163,060
2023	$1,391.00 (+15.24%)	$238,670 (+43.31%) Land $75,610 Building $163,060	$238,670 (+43.31%) Land $75,610 Building $163,060
2022	$1,207.00	$166,540 Land $57,220 Building $109,320	$166,540 Land $57,220 Building $109,320

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force

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	Direct burnable vegetation

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 56 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

Nearby Properties on Stream Dr

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