5519 Howard Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 5519 Howard Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1982
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Feb 2022)
Tax Bill	$1,509 (2026)
Deeds & Mortgages	Feb 2024 Refinance Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10235`

Property Details

APN / Parcel Number

Primary APN	`10235`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Porch	Slab
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5519 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
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	2 Individual Names on Record
Mailing Address	5519 HOWARD LN, GLOUCESTER, VA 23061-4116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BAYPORT CREDIT UNION
Feb 4, 2022	Warranty Deed, Transfer · FHA Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Deed Document Number	2022734
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5519 HOWARD LN, GLOUCESTER, VA 23061-4116
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000381
Date	Feb 6, 2024
Instrument	240000381

Lender

Name	BAYPORT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	299 Months
Due	Jan 24, 2049

Interest

Rate Type	Adjustable Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Feb 4, 2022
Property Address	5519 HOWARD LN, GLOUCESTER, VA 23061-4116
Document Number	0220000734
Instrument Date	Jan 26, 2022
Instrument	220000734
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	BAY AREA TITLE & ASSOC INC

Transaction

Amount	Amount Recorded
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	5519 HOWARD LN, GLOUCESTER, VA 23061-4116

Mortgage

Document Number	0220000735
Date	Feb 4, 2022
Instrument	220000735

Lender

Name	OVM FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0220000737
Date	Feb 4, 2022
Instrument	220000737

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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	$1,509.00 (+11.12%)	$258,820 (+17.01%) Land $60,870 Building $197,950	$258,820 (+17.01%) Land $60,870 Building $197,950
2025	$1,358.00 (+5.35%)	$221,190 (-) Land $57,070 Building $164,120	$221,190 (-) Land $57,070 Building $164,120
2024	$1,289.00	$221,190 (-) Land $57,070 Building $164,120	$221,190 (-) Land $57,070 Building $164,120
2023	$1,289.00 (+3.04%)	$221,190 (+28.15%) Land $57,070 Building $164,120	$221,190 (+28.15%) Land $57,070 Building $164,120
2022	$1,251.00	$172,600 Land $45,430 Building $127,170	$172,600 Land $45,430 Building $127,170

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
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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