Gloucester County property record for 6881 Michael Ln, Hayes, VA 23072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,163 sqft · built 1989 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,350 (Jun 2026) |
| Tax Bill | $1,801 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2025 Foreclosure + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16845 |
| Primary APN | 16845 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,163 sqft Living Area |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,928 sqft (0.71 acres) |
| Garage Area | 800 sqft |
| Porch | Slab |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 6881 MICHAEL LN |
|---|---|
| City | HAYES |
| State | VA |
| Zip | 23072-3204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | ROSEWOOD LOT 13 |
| Legal Subdivision | PLAT: PB21 827 |
| Legal Lot Number | 13 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | GLOUCESTER POINT |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 100302 |
6881 Michael Ln is owned and occupied by an individual who bought it in June 2026.
Source: Gloucester County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2026 | Bargain and Sale Deed, Transfer · VA Mortgage PARAMOUNT MORTGAGE |
| Sep 8, 2025 | Trustee's Deed, Foreclosure GEM TITLE LLC |
| Jul 30, 2018 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Oct 28, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on File |
| Deed Sale | Jun 16, 2026 · Amount on File |
| Prior Sale | Sep 8, 2025 · Amount on File |
| Deed Document Number | 20262647 |
| Prior Transfer Date | Aug 22, 2025 |
| Prior Transfer Doc | 0000003690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Jun 16, 2026 |
| Property Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| Document Number | 0000002647 |
| Instrument Date | May 31, 2026 |
| Instrument | 20262647 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,910.35 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| Document Number | 0000002648, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 20262648 |
| Name | PARAMOUNT MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Sep 8, 2025 |
| Property Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| Document Number | 0250003690 |
| Map Reference | MB 21 PG 827 |
| Instrument Date | Aug 22, 2025 |
| Instrument | 250003690 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 7, 2025 |
| Title Company | GEM TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $278.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2193, POQUOSON, VA 23662-0193 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0180003282 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 180003282 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 6881 MICHAEL LN, HAYES, VA 23072-3204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0190004891 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 190004891 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 6881 Michael Ln was $1,801, up 23.5% from the year before.
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 | $1,801.00 (+23.53%) | $309,000 (+11.32%) Land $67,190 Building $241,810 | $309,000 (+11.32%) Land $67,190 Building $241,810 |
| 2025 | $1,458.00 (-9.89%) | $277,580 (-) Land $67,190 Building $210,390 | $277,580 (-) Land $67,190 Building $210,390 |
| 2024 | $1,618.00 | $277,580 (-) Land $67,190 Building $210,390 | $277,580 (-) Land $67,190 Building $210,390 |
| 2023 | $1,618.00 (-7.49%) | $277,580 (+15.02%) Land $67,190 Building $210,390 | $277,580 (+15.02%) Land $67,190 Building $210,390 |
| 2022 | $1,749.00 | $241,340 Land $69,230 Building $172,110 | $241,340 Land $69,230 Building $172,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6881 Michael Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.
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 | 3 in force |
| Nearby Flood Claims | 1 (1991) |
| Most Recent Claim | Aug 1991 · 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.
Wildfire risk around 6881 Michael 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.
Source: FCC Broadband Data Collection, based on 294 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 |
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