4069 Providence Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 4069 Providence Rd, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1984
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Apr 2021)
Tax Bill	$2,130 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18088`

Property Details

APN / Parcel Number

Primary APN	`18088`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Attic	Attic
Attic Area	484 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4069 PROVIDENCE RD
City	HAYES
State	VA
Zip	23072-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	BRIDGES LOT 2
Legal Subdivision	PLAT: PB20 673
Legal Lot Number	2
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	3
Census Block	3001
Census Tract	100302

Owner

4069 Providence Rd is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4069 PROVIDENCE RD, HAYES, VA 23072-2703
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
Dec 30, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on File
Deed Sale	Apr 19, 2021 · Amount on File
Deed Document Number	20212849
Prior Transfer Date	Jul 31, 2009
Prior Transfer Doc	0000000515
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4069 PROVIDENCE RD, HAYES, VA 23072-2703
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4069 PROVIDENCE RD, HAYES, VA 23072-2703

Mortgage

Document Number	0250005414
Date	Dec 30, 2025
Instrument	250005414

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Apr 19, 2021
Property Address	4069 PROVIDENCE RD, HAYES, VA 23072-2703
Document Number	210002849
Instrument Date	Apr 5, 2021
Instrument	210002849
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	LYTLE TITLE AND ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4069 PROVIDENCE RD, HAYES, VA 23072-2703

Mortgage

Document Number	210002850
Date	Apr 19, 2021
Instrument	210002850

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2026 property tax bill for 4069 Providence Rd was $2,130, up 13.1% 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	$2,130.00 (+13.06%)	$365,270 (+18.99%) Land $59,570 Building $305,700	$365,270 (+18.99%) Land $59,570 Building $305,700
2025	$1,884.00 (+5.31%)	$306,980 (-) Land $49,060 Building $257,920	$306,980 (-) Land $49,060 Building $257,920
2024	$1,789.00	$306,980 (-) Land $49,060 Building $257,920	$306,980 (-) Land $49,060 Building $257,920
2023	$1,789.00 (+10.64%)	$306,980 (+37.57%) Land $49,060 Building $257,920	$306,980 (+37.57%) Land $49,060 Building $257,920
2022	$1,617.00	$223,140 Land $46,230 Building $176,910	$223,140 Land $46,230 Building $176,910

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

Flood

FEMA maps place 4069 Providence Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

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 File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2003–2009)
Most Recent Claim	Nov 2009 · rainfall accumulation

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 4069 Providence Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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

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