4398 Mallard Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 4398 Mallard Dr, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,357 sqft · built 1991
Lot Size	0.716 acres (31,189 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,614 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33688`

Property Details

APN / Parcel Number

Primary APN	`33688`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,357 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Stone
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,189 sqft (0.716 acres)
Porch	Slab
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4398 MALLARD DR
City	GLOUCESTER
State	VA
Zip	23061-3663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	CARTER'S COVE SEC VII LOT 18
Legal Subdivision	PLAT: PB21 494
Legal Lot Number	18
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	4
Census Block	4005
Census Tract	100302

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	2 Individual Names on Record
Mailing Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Aug 23, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 4, 2009
Transfer Doc	0000007581
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Jul 9, 2026
Property Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663
Document Number	0000003033
Instrument Date	Jul 2, 2026
Instrument	20263033
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FEDERAL TITLE, NAVY FEDERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663

Mortgage

Document Number	0000003033,
Date	Jul 9, 2026
Instrument	20263033

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006200
Date	Aug 30, 2021
Instrument	210006200

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000234
Date	Jan 16, 2020
Instrument	200000234

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 1, 2059

Interest

Rate Type	Adjustable Rate
Rate	9.5%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4398 MALLARD DR, GLOUCESTER, VA 23061-3663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170003997
Date	Aug 23, 2017
Instrument	170003997

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

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	$1,614.00 (+5.98%)	$276,770 (+11.53%) Land $67,370 Building $209,400	$276,770 (+11.53%) Land $67,370 Building $209,400
2025	$1,523.00 (+5.33%)	$248,160 (-) Land $67,370 Building $180,790	$248,160 (-) Land $67,370 Building $180,790
2024	$1,446.00	$248,160 (-) Land $67,370 Building $180,790	$248,160 (-) Land $67,370 Building $180,790
2023	$1,446.00 (+4.48%)	$248,160 (+29.96%) Land $67,370 Building $180,790	$248,160 (+29.96%) Land $67,370 Building $180,790
2022	$1,384.00	$190,950 Land $69,490 Building $121,460	$190,950 Land $69,490 Building $121,460

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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