6386 Sterling Ct, Gloucester, VA 23061 Property Records

Gloucester County property record for 6386 Sterling Ct, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,016 sqft · built 1987
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$379,900 (May 2026)
Tax Bill	$1,976 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Aug 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`31587`

Property Details

APN / Parcel Number

Primary APN	`31587`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Porch	Slab
Deck Area	380 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6386 STERLING CT
City	GLOUCESTER
State	VA
Zip	23061-3309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	THE COMMONS LOT 6
Legal Subdivision	PLAT: PB 21 555556
Legal Lot Number	6
Jurisdiction	GLOUCESTER VA
Township / Civil Division	ABINGDON
Census Block Group	2
Census Block	2019
Census Tract	100102

Owner

6386 Sterling Ct is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Apr 5, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 15, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Jul 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
May 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
May 11, 2026	Deed, Transfer · VA Mortgage CALCON MUTUAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Deed Document Number	20261992
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001407
Date	Apr 5, 2018
Instrument	180001407

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170003872
Date	Aug 15, 2017
Instrument	170003872

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210005262
Date	Jul 26, 2021
Instrument	210005262

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006537
Date	Sep 13, 2021
Instrument	210006537

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	356 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002909
Date	May 19, 2022
Instrument	220002909

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GLOUCESTER VA
Recording Date	May 11, 2026
Property Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309
Document Number	0000001992
Instrument Date	May 5, 2026
Instrument	2026.1992
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,369.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6386 STERLING CT, GLOUCESTER, VA 23061-3309

Mortgage

Document Number	0000001993,
Date	May 11, 2026
Instrument	2026.1993

Lender

Name	CALCON MUTUAL MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 6386 Sterling Ct was $1,976, up 6.6% 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	$1,976.00 (+6.64%)	$338,950 (+12.31%) Land $73,630 Building $265,320	$338,950 (+12.31%) Land $73,630 Building $265,320
2025	$1,853.00	$301,800 Land $65,630 Building $236,170	$301,800 Land $65,630 Building $236,170
2023	$1,759.00	$301,800 Land $65,630 Building $236,170	$301,800 Land $65,630 Building $236,170

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

Flood

FEMA maps place 6386 Sterling Ct 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 6386 Sterling Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.04% 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 14 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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