5391 Down Creek Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 5391 Down Creek Rd, Gloucester, VA 23061

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · built 2017
Lot Size	8.25 acres (359,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,500,000 (Apr 2017)
Tax Bill	$2,801 (2026)
Deeds & Mortgages	Feb 2023 Second Mortgage Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`42870`

Property Details

APN / Parcel Number

Primary APN	`42870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	359,370 sqft (8.25 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	5391 DOWN CREEK RD
City	GLOUCESTER
State	VA
Zip	23061-3684
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	SC-1
Legal Description	ABERDEEN PARCEL B
Legal Subdivision	PLAT: PB25 733
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	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage 1ST ADVANTAGE FEDERAL CREDIT UNION
Feb 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SUN WEST MORTGAGE COMPANY INC
Jan 3, 2018	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Apr 21, 2017	Warranty Deed, Transfer · FHA Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on Record
Deed Sale	Apr 21, 2017 · Amount on Record
Deed Document Number	20171859
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	NOT AVAILABLE, THE CLOSERS OF VIRGINIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000553
Date	Feb 15, 2023
Instrument	230000553

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2028

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001005
Date	Feb 4, 2021
Instrument	210001005

Lender

Name	SUN WEST MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	300 Months
Due	Feb 1, 2046

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	DB TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000017
Date	Jan 3, 2018
Instrument	180000017

Lender

Name	SUN WEST MORTGAGE COMPANY INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Apr 21, 2017
Property Address	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684
Document Number	170001859
Instrument Date	Apr 6, 2017
Instrument	170001859
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	THE CLOSERS OF VIRGINIA INC

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	5391 DOWN CREEK RD, GLOUCESTER, VA 23061-3684

Mortgage

Document Number	170001860
Date	Apr 21, 2017
Instrument	170001860

Lender

Name	OVM FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$2,801.00 (+4.91%)	$480,530 (+10.48%) Land $84,030 Building $396,500	$480,530 (+10.48%) Land $84,030 Building $396,500
2025	$2,670.00 (+5.33%)	$434,930 (-) Land $69,810 Building $365,120	$434,930 (-) Land $69,810 Building $365,120
2024	$2,535.00	$434,930 (-) Land $69,810 Building $365,120	$434,930 (-) Land $69,810 Building $365,120
2023	$2,535.00 (+7.87%)	$434,930 (+34.18%) Land $69,810 Building $365,120	$434,930 (+34.18%) Land $69,810 Building $365,120
2022	$2,350.00	$324,150 Land $69,470 Building $254,680	$324,150 Land $69,470 Building $254,680

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	0.02% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

Cell Coverage

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

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