5313 Merganser Cir, Gloucester, VA 23061 Property Records

Gloucester County property record for 5313 Merganser Cir, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 1990
Lot Size	0.972 acres (42,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,074 (2026)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`038J1 0 5`

Property Details

APN / Parcel Number

Primary APN	`038J1 0 5`
Alternative APN	`33135`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,468 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,340 sqft (0.972 acres)
Garage Area	572 sqft
Porch	Slab
Patio Area	86 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5313 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 5
Legal Subdivision	PLAT: PB 21 496
Legal Lot Number	5
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	5313 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	May 26, 2026
Property Address	5313 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Document Number	0000002280
Instrument Date	Apr 10, 2026
Instrument	20262280
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5313 MERGANSER CIR, GLOUCESTER, VA 23061-3648

Mortgage

Document Number	0000002280,
Date	May 26, 2026
Instrument	20262280

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

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	$2,074.00 (+17.51%)	$355,660 (+23.71%) Land $88,350 Building $267,310	$355,660 (+23.71%) Land $88,350 Building $267,310
2025	$1,765.00 (+5.31%)	$287,500 (-) Land $84,540 Building $202,960	$287,500 (-) Land $84,540 Building $202,960
2024	$1,676.00	$287,500 (-) Land $84,540 Building $202,960	$287,500 (-) Land $84,540 Building $202,960
2023	$1,676.00 (+4.75%)	$287,500 (+30.2%) Land $84,540 Building $202,960	$287,500 (+30.2%) Land $84,540 Building $202,960
2022	$1,600.00	$220,820 Land $74,700 Building $146,120	$220,820 Land $74,700 Building $146,120

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

Nearby Properties on Merganser Cir

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