4288 Cato Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 4288 Cato Dr, Gloucester, VA 23061

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 3,758 sqft · built 2004
Lot Size	22.4 acres (978,358 sqft)
Owner	Individual Name on Record
Tax Bill	$5,097 (2026)
Deeds & Mortgages	May 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`41547`

Property Details

APN / Parcel Number

Primary APN	`41547`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,758 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	978,358 sqft (22.4 acres)
Garage Type	Attached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4288 CATO DR
City	GLOUCESTER
State	VA
Zip	23061-3085
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RC-1
Legal Description	WOODS CROSS ROADS PARCEL A-2
Legal Subdivision	PB24 184
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	4288 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 Transfer Date	Nov 19, 2021
Transfer Doc	0000003042
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	May 25, 2022
Property Address	4288 CATO DR, GLOUCESTER, VA 23061-3085
Document Number	0220003042
Instrument Date	Nov 19, 2021
Instrument	220003042
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4288 CATO DR, GLOUCESTER, VA 23061-3085

Mortgage

Document Number	0220003043
Date	May 25, 2022
Instrument	220003043

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	355 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.13%

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	$5,097.00 (+9.26%)	$874,280 (+15.06%) Land $147,270 Building $727,010	$874,280 (+15.06%) Land $147,270 Building $727,010
2025	$4,665.00 (+5.3%)	$759,880 (-) Land $120,040 Building $639,840	$759,880 (-) Land $120,040 Building $639,840
2024	$4,430.00 (+10.92%)	$759,880 (+10.89%) Land $120,040 Building $639,840	$759,880 (+10.89%) Land $120,040 Building $639,840
2023	$3,994.00 (-3.99%)	$685,230 (+19.4%) Land $120,040 Building $565,190	$685,230 (+19.4%) Land $120,040 Building $565,190
2022	$4,160.00	$573,910 Land $81,830 Building $492,080	$573,910 Land $81,830 Building $492,080

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 80% of the US · lower than 71% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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