4220 Cato Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 4220 Cato Dr, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,894 sqft · built 2000
Lot Size	4.81 acres (209,524 sqft)
Owner	Individual Name on Record
Last Sale	$194,500 (Jul 2009)
Tax Bill	$1,526 (2026)
Deeds & Mortgages	Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40715`

Property Details

APN / Parcel Number

Primary APN	`40715`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,894 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	209,524 sqft (4.81 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Deck Area	1,144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4220 CATO DR
City	GLOUCESTER
State	VA
Zip	23061-3085
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC-1
Legal Description	WOODS CROSS ROADS
Legal Subdivision	PLAT: PB24 128128A
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	1
Census Block	1021
Census Tract	100101

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	Individual Name on Record
Mailing Address	4220 CATO DR, GLOUCESTER, VA 23061-3085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2009 · Amount on Record
Deed Sale	Jul 16, 2009 · Amount on Record
Deed Document Number	20094280
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 17, 2026
Property Address	4220 CATO DR, GLOUCESTER, VA 23061-3085
Document Number	0000002665
Instrument Date	Jun 10, 2026
Instrument	20262665
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4220 CATO DR, GLOUCESTER, VA 23061-3085

Mortgage

Document Number	0000002665,
Date	Jun 17, 2026
Instrument	20262665

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

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	$1,526.00 (+16.13%)	$261,720 (+22.21%) Land $69,360 Building $192,360	$261,720 (+22.21%) Land $69,360 Building $192,360
2025	$1,314.00 (+5.29%)	$214,150 (-) Land $59,180 Building $154,970	$214,150 (-) Land $59,180 Building $154,970
2024	$1,248.00	$214,150 (-) Land $59,180 Building $154,970	$214,150 (-) Land $59,180 Building $154,970
2023	$1,248.00 (-3.41%)	$214,150 (+20.08%) Land $59,180 Building $154,970	$214,150 (+20.08%) Land $59,180 Building $154,970
2022	$1,292.00	$178,340 Land $58,300 Building $120,040	$178,340 Land $58,300 Building $120,040

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	3 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 23 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 only, no 5G reported

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