6181 Shady Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 6181 Shady Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1989
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on File
Last Sale	$190,500 (Dec 2018)
Tax Bill	$1,630 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33796`

Property Details

APN / Parcel Number

Primary APN	`33796`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	400 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Garage Area	1,040 sqft
Porch	Slab
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6181 SHADY LN
City	GLOUCESTER
State	VA
Zip	23061-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	SYLVAN ACRES LOT 14B
Legal Subdivision	PLAT: PB21 97
Legal Lot Number	14B
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	2
Census Block	2015
Census Tract	100102

Owner

6181 Shady Ln is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	6181 SHADY LN, GLOUCESTER, VA 23061-3409
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Sep 26, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Dec 17, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on File
Deed Sale	Dec 17, 2018 · Amount on File
Prior Sale	Jun 19, 2007 · Amount on File
Deed Document Number	20185465
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6181 SHADY LN, GLOUCESTER, VA 23061-3409
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230004148
Date	Oct 31, 2023
Instrument	230004148

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2063

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6181 SHADY LN, GLOUCESTER, VA 23061-3409
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220005223
Date	Sep 26, 2022
Instrument	220005223

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2062

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6181 SHADY LN, GLOUCESTER, VA 23061-3409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200005806
Date	Oct 20, 2020
Instrument	200005806

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Dec 17, 2018
Property Address	6181 SHADY LN, GLOUCESTER, VA 23061-3409
Document Number	180005465
Instrument Date	Nov 2, 2018
Instrument	180005465
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	TITLE RESOURCES GUARANTY CO

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	6181 SHADY LN, GLOUCESTER, VA 23061-3409

Mortgage

Document Number	180005466
Date	Dec 17, 2018
Instrument	180005466

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6181 Shady Ln was $1,630, up 5.5% from the year before.

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	$1,630.00 (+5.5%)	$279,510 (+11.04%) Land $60,170 Building $219,340	$279,510 (+11.04%) Land $60,170 Building $219,340
2025	$1,545.00 (+5.32%)	$251,720 (-) Land $60,040 Building $191,680	$251,720 (-) Land $60,040 Building $191,680
2024	$1,467.00	$251,720 (-) Land $60,040 Building $191,680	$251,720 (-) Land $60,040 Building $191,680
2023	$1,467.00 (+8.67%)	$251,720 (+35.14%) Land $60,040 Building $191,680	$251,720 (+35.14%) Land $60,040 Building $191,680
2022	$1,350.00	$186,270 Land $56,200 Building $130,070	$186,270 Land $56,200 Building $130,070

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6181 Shady Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.

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

Wildfire risk around 6181 Shady Ln is low, with a 0.03% annual chance of 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	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 29 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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