6190 Ware Neck Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 6190 Ware Neck Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Lot Size	5.14 acres (224,073 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Nov 2024)
Tax Bill	$2,335 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`29189`

Property Details

APN / Parcel Number

Primary APN	`29189`

Exterior

Lot Area	224,073 sqft (5.14 acres)

Location & Zoning

Street Address	6190 WARE NECK RD
City	GLOUCESTER
State	VA
Zip	23061-4801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	WARE NECK
Legal Subdivision	PLAT: ID 1900930
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2026
Census Tract	100203

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	6190 WARE NECK RD, GLOUCESTER, VA 23061-4801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jan 22, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Mar 7, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on Record
Deed Sale	Nov 25, 2024 · Amount on Record
Prior Sale	Mar 7, 2019 · Amount on Record
Deed Document Number	20244517
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6190 WARE NECK RD, GLOUCESTER, VA 23061-4801
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000811
Date	Jan 28, 2021
Instrument	210000811

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6190 WARE NECK RD, GLOUCESTER, VA 23061-4801
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000305
Date	Jan 22, 2020
Instrument	200000305

Lender

Name	QUICKEN LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Mar 7, 2019
Property Address	6190 WARE NECK RD, GLOUCESTER, VA 23061-4801
Document Number	190000931
Instrument Date	Feb 26, 2019
Instrument	190000931
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	6190 WARE NECK RD, GLOUCESTER, VA 23061-4801

Mortgage

Document Number	190000932
Date	Mar 7, 2019
Instrument	190000932

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Interest

Rate Type	Fixed Rate
Rate	4.38%

Mortgage

Document Number	0190000934
Date	Mar 7, 2019
Instrument	190000934

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$2,335.00 (+29.58%)	$400,590 (+36.48%) Land $86,340 Building $314,250	$400,590 (+36.48%) Land $86,340 Building $314,250
2025	$1,802.00 (+5.32%)	$293,520 (-) Land $62,610 Building $230,910	$293,520 (-) Land $62,610 Building $230,910
2024	$1,711.00	$293,520 (-) Land $62,610 Building $230,910	$293,520 (-) Land $62,610 Building $230,910
2023	$1,711.00	$293,520 Land $62,610 Building $230,910	$293,520 Land $62,610 Building $230,910

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	109 (1985–2016)
Claims Outside the SFHA	13 of 109
Most Recent Claim	Sep 2016 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 10 claims Hurricane Isabel, Sep 2003 · 70 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	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 24 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

May also be available: Verizon.

Cell Coverage

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

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