4317 Cato Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 4317 Cato Dr, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 2007
Lot Size	6.62 acres (288,367 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Mar 2023)
Tax Bill	$2,723 (2025)
Deeds & Mortgages	Oct 2021 Refinance Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14615`

Property Details

APN / Parcel Number

Primary APN	`14615`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
Attic	Attic
Attic Area	528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	288,367 sqft (6.62 acres)
Garage Area	528 sqft
Porch	Slab
Deck Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4317 CATO DR
City	GLOUCESTER
State	VA
Zip	23061-3084
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	CRUMPS PARCEL 8
Legal Subdivision	PLAT: PB20 1175
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 27, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4317 CATO DR, GLOUCESTER, VA 23061-3084
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit DOMINION ENERGY CREDIT UNION
Oct 26, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Aug 25, 2006 · Amount on Record
Deed Document Number	2023944
Prior Transfer Date	Sep 22, 2021
Prior Transfer Doc	0000007584
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4317 CATO DR, GLOUCESTER, VA 23061-3084
Transaction Type	Mortgage
Record Updated	Nov 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210007585
Date	Oct 26, 2021
Instrument	210007585

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Mar 13, 2023
Property Address	4317 CATO DR, GLOUCESTER, VA 23061-3084
Document Number	0230000944
Instrument Date	Mar 9, 2023
Instrument	230000944
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	QUALITY TITLE INC, QUALITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	4317 CATO DR, FRONT ROYAL, VA 22630

Mortgage

Document Number	0230000945
Date	Mar 13, 2023
Instrument	230000945

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4317 CATO DR, GLOUCESTER, VA 23061-3084
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004042
Date	Jul 21, 2022
Instrument	220004042

Lender

Name	DOMINION ENERGY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 27, 2047

Interest

Rate Type	Adjustable Rate

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Oct 26, 2021
Property Address	4317 CATO DR, GLOUCESTER, VA 23061-3084
Document Number	210007584
Instrument Date	Sep 22, 2021
Instrument	210007584
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4317 CATO DR, GLOUCESTER, VA 23061-3084

Mortgage

Document Number	210007585
Date	Oct 26, 2021
Instrument	210007585

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$2,723.00 (+5.3%)	$443,620 (-) Land $78,800 Building $364,820	$443,620 (-) Land $78,800 Building $364,820
2024	$2,586.00	$443,620 (-) Land $78,800 Building $364,820	$443,620 (-) Land $78,800 Building $364,820
2023	$2,586.00 (+13.07%)	$443,620 (+40.63%) Land $78,800 Building $364,820	$443,620 (+40.63%) Land $78,800 Building $364,820
2022	$2,287.00	$315,450 Land $58,050 Building $257,400	$315,450 Land $58,050 Building $257,400

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	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	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

Nearby Properties on Cato Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures