5509 Howard Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 5509 Howard Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,705 sqft · built 1985
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,173 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17677`

Property Details

APN / Parcel Number

Primary APN	`17677`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,705 sqft Living Area
1st Floor Area	1,705 sqft
Basement Area	1,705 sqft
Finished Basement	1,705 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	968 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5509 HOWARD LN
City	GLOUCESTER
State	VA
Zip	23061-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	ARK PARCEL 3
Legal Subdivision	PLAT: PB21 129
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	2
Census Block	2001
Census Tract	100202

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	Individual Name on Record
Mailing Address	PO BOX 721, GLOUCESTER, VA 23061-0721
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5509 HOWARD LN, GLOUCESTER, VA 23061-4116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180000055
Date	Jan 9, 2018
Instrument	180000055

Lender

Name	JG WENTWORTH HOME LENDING LLC

Agreement

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

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	$2,173.00 (+13.06%)	$372,690 (+19.03%) Land $73,750 Building $298,940	$372,690 (+19.03%) Land $73,750 Building $298,940
2025	$1,922.00 (+5.32%)	$313,100 (-) Land $61,920 Building $251,180	$313,100 (-) Land $61,920 Building $251,180
2024	$1,825.00	$313,100 (-) Land $61,920 Building $251,180	$313,100 (-) Land $61,920 Building $251,180
2023	$1,825.00 (-15.43%)	$313,100 (+5.16%) Land $61,920 Building $251,180	$313,100 (+5.16%) Land $61,920 Building $251,180
2022	$2,158.00	$297,740 Land $72,000 Building $225,740	$297,740 Land $72,000 Building $225,740

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2003–2009)
Most Recent Claim	Nov 2009 · rainfall accumulation

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 43 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

5G (outdoors only) and 4G LTE

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