5698 Clay Bank Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 5698 Clay Bank Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,836 sqft · built 1984
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$278,000 (Aug 2021)
Tax Bill	$1,850 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24920`

Property Details

APN / Parcel Number

Primary APN	`24920`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Area	576 sqft
Pool Type	Above-Ground Pool
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5698 CLAY BANK RD
City	GLOUCESTER
State	VA
Zip	23061-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	KATHY FARMS LOT 4
Legal Subdivision	PLAT: PB20 675
Legal Lot Number	4
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	2
Census Block	2015
Census Tract	100102

Owner

Source: Gloucester County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5698 CLAY BANK RD, GLOUCESTER, VA 23061-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2021 · Amount on File
Deed Sale	Aug 11, 2021 · Amount on File
Deed Document Number	20215794
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Aug 11, 2021
Property Address	5698 CLAY BANK RD, GLOUCESTER, VA 23061-3503
Document Number	210005794
Instrument Date	Aug 4, 2021
Instrument	210005794
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	CLOSING EDGE TITLE LLC

Transaction

Amount	Amount on Record
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	5698 CLAY BANK RD, GLOUCESTER, VA 23061-3503

Mortgage

Document Number	210005795
Date	Aug 11, 2021
Instrument	210005795

Lender

Name	PLANET HOME LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jul 1, 2046

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	$1,850.00 (+9.99%)	$317,380 (+15.82%) Land $75,280 Building $242,100	$317,380 (+15.82%) Land $75,280 Building $242,100
2025	$1,682.00 (+5.32%)	$274,020 (-) Land $66,280 Building $207,740	$274,020 (-) Land $66,280 Building $207,740
2023	$1,597.00	$274,020 Land $66,280 Building $207,740	$274,020 Land $66,280 Building $207,740

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	3 (1999–2009)
Most Recent Claim	Nov 2009 · tidal / storm surge

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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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