5301 Merganser Cir, Gloucester, VA 23061 Property Records

Gloucester County property record for 5301 Merganser Cir, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,264 sqft · built 1993
Lot Size	3.57 acres (155,509 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,250 (Aug 2019)
Tax Bill	$2,778 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038J1 0 7`

Property Details

APN / Parcel Number

Primary APN	`038J1 0 7`
Alternative APN	`31170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,264 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	155,509 sqft (3.57 acres)
Porch	Slab
Deck Area	524 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5301 MERGANSER CIR
City	GLOUCESTER
State	VA
Zip	23061-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	CARTER'S COVE SEC IX LOT 7 CARTER CREEK
Legal Subdivision	PLAT: PB21 1089
Legal Lot Number	7
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	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK
Aug 29, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on Record
Deed Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	20193746
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 17, 2026
Property Address	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Document Number	0000002680
Instrument Date	May 21, 2026
Instrument	20262680
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002680,
Date	Jun 17, 2026
Instrument	20262680

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200003719
Date	Jul 29, 2020
Instrument	200003719

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Aug 29, 2019
Property Address	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Document Number	190003746
Instrument Date	Aug 20, 2019
Instrument	190003746
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

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	5301 MERGANSER CIR, GLOUCESTER, VA 23061-3648

Mortgage

Document Number	190003747
Date	Aug 29, 2019
Instrument	190003747

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,778.00 (+7.76%)	$476,540 (+13.48%) Land $132,110 Building $344,430	$476,540 (+13.48%) Land $132,110 Building $344,430
2025	$2,578.00 (+5.31%)	$419,920 (-) Land $129,130 Building $290,790	$419,920 (-) Land $129,130 Building $290,790
2024	$2,448.00	$419,920 (-) Land $129,130 Building $290,790	$419,920 (-) Land $129,130 Building $290,790
2023	$2,448.00 (+10.82%)	$419,920 (+37.79%) Land $129,130 Building $290,790	$419,920 (+37.79%) Land $129,130 Building $290,790
2022	$2,209.00	$304,750 Land $94,280 Building $210,470	$304,750 Land $94,280 Building $210,470

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 100 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 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 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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