Gloucester County property record for 6182 Ruth Dr, Gloucester, VA 23061
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,600 sqft · built 2006 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Jun 2021) |
| Tax Bill | $2,865 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2024 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42389 |
| Primary APN | 42389 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,600 sqft Living Area |
| 1st Floor Area | 1,082 sqft |
| Basement Area | 1,082 sqft |
| Unfinished Basement | 1,082 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stone |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Area | 800 sqft |
| Porch | Slab |
| Deck Area | 15 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 6182 RUTH DR |
|---|---|
| City | GLOUCESTER |
| State | VA |
| Zip | 23061-4359 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | COURTHOUSE SQUARE SUBDIVISION LOT 53 |
| Legal Subdivision | COURTHOUSE SQUARE |
| Legal Lot Number | 53 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | ABINGDON |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 100202 |
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 | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| Feb 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCING CORPORATION |
| Jun 29, 2021 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE LLC |
| Jun 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Prior Sale | Jun 12, 2017 · Amount on Record |
| Deed Document Number | 20214586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0250004032 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 250004032 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0240000353 |
|---|---|
| Date | Feb 2, 2024 |
| Instrument | 240000353 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210000883 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 210000883 |
| Name | AMERICAN FINANCING CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Jun 29, 2021 |
| Property Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Document Number | 210004586 |
| Instrument Date | Jun 17, 2021 |
| Instrument | 210004586 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2021 |
| Title Company | LYTLE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Document Number | 210004587 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 210004587 |
| Name | ATLANTIC COAST MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Jun 12, 2017 |
| Property Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Document Number | 170002759 |
| Instrument Date | May 20, 2017 |
| Instrument | 170002759 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2021 |
| Title Company | BAY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6182 RUTH DR, GLOUCESTER, VA 23061-4359 |
| Document Number | 170002760 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 170002760 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Gloucester County assessment roll, as of October 27, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Gloucester County |
| Unified School District | Gloucester County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,865.00 (+8.03%) | $483,130 (+13.64%) Land $62,080 Building $421,050 | $483,130 (+13.64%) Land $62,080 Building $421,050 |
| 2025 | $2,652.00 (+5.2%) | $425,150 (-) Land $62,080 Building $363,070 | $425,150 (-) Land $62,080 Building $363,070 |
| 2024 | $2,521.00 | $425,150 (-) Land $62,080 Building $363,070 | $425,150 (-) Land $62,080 Building $363,070 |
| 2023 | $2,521.00 (+0.2%) | $425,150 (+24.16%) Land $62,080 Building $363,070 | $425,150 (+24.16%) Land $62,080 Building $363,070 |
| 2022 | $2,516.00 | $342,430 Land $62,960 Building $279,470 | $342,430 Land $62,960 Building $279,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.02% 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.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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