5342 Merganser Cir, Gloucester, VA 23061 Property Records

Gloucester County property record for 5342 Merganser Cir, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,555 sqft · built 1988
Lot Size	0.695 acres (30,274 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,000 (Jun 2010)
Tax Bill	$2,535 (2026)
Deeds & Mortgages	Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`038J1 0 12`

Property Details

APN / Parcel Number

Primary APN	`038J1 0 12`
Alternative APN	`32545`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,555 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,274 sqft (0.695 acres)
Garage Area	600 sqft
Porch	Slab
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5342 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 12
Legal Subdivision	PLAT: PB21 496
Legal Lot Number	12
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	5342 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
Last Sale	Jun 24, 2010 · Amount on Record
Deed Sale	Jun 24, 2010 · Amount on Record
Deed Document Number	20102810
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5342 MERGANSER CIR, GLOUCESTER, VA 23061-3648
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006263
Date	Sep 1, 2021
Instrument	210006263

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.63%

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	$2,535.00 (+2.63%)	$434,780 (+8.04%) Land $66,730 Building $368,050	$434,780 (+8.04%) Land $66,730 Building $368,050
2025	$2,470.00 (+5.29%)	$402,410 (-) Land $66,730 Building $335,680	$402,410 (-) Land $66,730 Building $335,680
2024	$2,346.00	$402,410 (-) Land $66,730 Building $335,680	$402,410 (-) Land $66,730 Building $335,680
2023	$2,346.00 (+6.44%)	$402,410 (+32.32%) Land $66,730 Building $335,680	$402,410 (+32.32%) Land $66,730 Building $335,680
2022	$2,204.00	$304,110 Land $69,320 Building $234,790	$304,110 Land $69,320 Building $234,790

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 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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