5597 Paynes Pt, Gloucester, VA 23061 Property Records

Gloucester County property record for 5597 Paynes Pt, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,170 sqft · built 1972
Lot Size	7.03 acres (306,227 sqft)
Owner	Company Name on File
Last Sale	$735,000 (Jun 2019)
Tax Bill	$5,356 (2025)
Deeds & Mortgages	Jan 2022 Refinance Jan 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`21790`

Property Details

APN / Parcel Number

Primary APN	`21790`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,170 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	306,227 sqft (7.03 acres)
Garage Area	432 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5597 PAYNES PT
City	GLOUCESTER
State	VA
Zip	23061-4631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	WILSON CREEK PAYNES POINT WILSON CREEK
Legal Subdivision	PLAT: PB26 492
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1015
Census Tract	100400

Owner

Source: Gloucester County assessment roll, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN INTERNET MORTGAGE INC
Jan 25, 2022	Intrafamily Transfer, Transfer
Jun 21, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Prior Sale	Feb 26, 2016 · Amount on Record
Deed Document Number	20192572
Last Transfer Date	Dec 31, 2021
Transfer Doc	0000000466
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000467
Date	Jan 25, 2022
Instrument	220000467

Lender

Name	AMERICAN INTERNET MORTGAGE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Jan 25, 2022
Property Address	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Document Number	0220000468
Instrument Date	Dec 31, 2021
Instrument	220000468
Transaction Type	Transfer
Record Updated	Nov 28, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jun 21, 2019
Property Address	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Document Number	190002572
Instrument Date	Jun 7, 2019
Instrument	190002572
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	5597 PAYNES PT, GLOUCESTER, VA 23061-4631
Investor	Possibly a Property Investor

Mortgage

Document Number	190002573
Date	Jun 21, 2019
Instrument	190002573

Lender

Name	CITIBANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
2025	$5,356.00 (+5.23%)	$858,390 (-) Land $413,170 Building $445,220	$858,390 (-) Land $413,170 Building $445,220
2024	$5,090.00	$858,390 (-) Land $413,170 Building $445,220	$858,390 (-) Land $413,170 Building $445,220
2023	$5,090.00 (+9.02%)	$858,390 (+35.12%) Land $413,170 Building $445,220	$858,390 (+35.12%) Land $413,170 Building $445,220
2022	$4,669.00	$635,300 Land $283,910 Building $351,390	$635,300 Land $283,910 Building $351,390

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 252 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	252 in force
Nearby Flood Claims	137 (1991–2025)
Claims Outside the SFHA	3 of 137
Most Recent Claim	Oct 2025 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 9 claims Hurricane Isabel, Sep 2003 · 91 claims

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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