4862 Ware Neck Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 4862 Ware Neck Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,146 sqft · built 1928
Lot Size	16.8 acres (735,728 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Dec 1997)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Nov 2020 Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`30708`

Property Details

APN / Parcel Number

Primary APN	`30708`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	2,200 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gambrel
Roof Material	Composition Shingle
Lot Area	735,728 sqft (16.8 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4862 WARE NECK RD
City	GLOUCESTER
State	VA
Zip	23061-4922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	WARE NECK 'CRISMOND' PARCEL A DAVIS CREEK
Legal Subdivision	PLAT: PB12 45
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2021
Census Tract	100203

Owner

Source: Gloucester County assessment roll, as of January 1, 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 File
Mailing Address	4862 WARE NECK RD, GLOUCESTER, VA 23061-4922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 9, 1997 · Amount on Record
Deed Sale	Dec 9, 1997 · Amount on Record
Deed Document Number	ID 976353
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	4862 WARE NECK RD, GLOUCESTER, VA 23061-4922
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200006231
Date	Nov 6, 2020
Instrument	200006231

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	203 Months
Due	Oct 24, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Gloucester County assessment roll, as of January 1, 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	$1,192.00 (-7.17%)	$548,670 (-) Land $283,490 Building $265,180	$548,670 (-) Land $283,490 Building $265,180
2024	$1,284.00 (-56.1%)	$548,670 (-) Land $283,490 Building $265,180	$548,670 (-) Land $283,490 Building $265,180
2023	$2,925.00	$548,670 Land $283,490 Building $265,180	$548,670 Land $283,490 Building $265,180

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	109 (1985–2016)
Claims Outside the SFHA	13 of 109
Most Recent Claim	Sep 2016 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 70 claims

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	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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