4594 Hermitage Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 4594 Hermitage Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,072 sqft · built 1985
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,523 (2026)
Deeds & Mortgages	Jan 2024 Refinance May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32743`

Property Details

APN / Parcel Number

Primary APN	`32743`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,072 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,026 sqft (0.322 acres)
Garage Area	384 sqft
Porch	Slab
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4594 HERMITAGE LN
City	GLOUCESTER
State	VA
Zip	23061-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	YORK VIEW YORK RIVER
Legal Subdivision	PLAT: PB1 28&29
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	4
Census Block	4003
Census Tract	100302

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4594 HERMITAGE LN, GLOUCESTER, VA 23061-3525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
May 17, 2019	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4594 HERMITAGE LN, GLOUCESTER, VA 23061-3525
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000075
Date	Jan 9, 2024
Instrument	240000075

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	901 Months
Due	Feb 9, 2099

Interest

Rate Type	Adjustable Rate
Rate	7.56%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Monthly
Margin	5

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4594 HERMITAGE LN, GLOUCESTER, VA 23061-3525
Transaction Type	Mortgage
Record Updated	Jun 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190002048
Date	May 17, 2019
Instrument	190002048

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable 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	$3,523.00 (+22.37%)	$604,250 (+28.84%) Land $247,520 Building $356,730	$604,250 (+28.84%) Land $247,520 Building $356,730
2025	$2,879.00 (+5.3%)	$469,010 (-) Land $166,160 Building $302,850	$469,010 (-) Land $166,160 Building $302,850
2024	$2,734.00	$469,010 (-) Land $166,160 Building $302,850	$469,010 (-) Land $166,160 Building $302,850
2023	$2,734.00 (+8.36%)	$469,010 (+34.77%) Land $166,160 Building $302,850	$469,010 (+34.77%) Land $166,160 Building $302,850
2022	$2,523.00	$348,010 Land $124,300 Building $223,710	$348,010 Land $124,300 Building $223,710

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% 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 38 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

5G (outdoors only) and 4G LTE

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