3835 White Pine Ln, Hayes, VA 23072 Property Records

Gloucester County property record for 3835 White Pine Ln, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,772 sqft · built 1993
Lot Size	7.26 acres (316,246 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,525 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`24914`

Property Details

APN / Parcel Number

Primary APN	`24914`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,772 sqft Living Area
1st Floor Area	2,772 sqft
Basement Area	2,052 sqft
Unfinished Basement	2,052 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	316,246 sqft (7.26 acres)
Garage Area	720 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3835 WHITE PINE LN
City	HAYES
State	VA
Zip	23072-4347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	BRAYS POINT PARCEL 2 VAUGHANS CREEK
Legal Subdivision	PLAT: PB22 868-868A
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1046
Census Tract	100400

Owner

3835 White Pine Ln is owned and occupied by two individuals who acquired it in August 2024.

Source: Gloucester County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3835 WHITE PINE LN, HAYES, VA 23072-4347
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 19, 2024
Transfer Doc	0000003230
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3835 WHITE PINE LN, HAYES, VA 23072-4347
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004879
Date	Sep 6, 2022
Instrument	220004879

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3835 WHITE PINE LN, HAYES, VA 23072-4347
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200003675
Date	Jul 27, 2020
Instrument	200003675

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3835 White Pine Ln was $4,525, up 5.9% from the year before.

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	$4,525.00 (+5.9%)	$763,150 (+11.44%) Land $321,450 Building $441,700	$763,150 (+11.44%) Land $321,450 Building $441,700
2025	$4,273.00 (+5.25%)	$684,780 (-) Land $292,560 Building $392,220	$684,780 (-) Land $292,560 Building $392,220
2024	$4,060.00	$684,780 (-) Land $292,560 Building $392,220	$684,780 (-) Land $292,560 Building $392,220
2023	$4,060.00 (+5.15%)	$684,780 (+30.34%) Land $292,560 Building $392,220	$684,780 (+30.34%) Land $292,560 Building $392,220
2022	$3,861.00	$525,380 Land $243,380 Building $282,000	$525,380 Land $243,380 Building $282,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3835 White Pine Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 252 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	252 in force
Nearby Flood Claims	137 (1991–2025)
Claims Outside the SFHA	3 of 137
Most Recent Claim	Oct 2025 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 9 claims Hurricane Isabel, Sep 2003 · 91 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

Wildfire risk around 3835 White Pine Ln is low, with a 0.02% annual chance of 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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