6972 Emerson Ln, Hayes, VA 23072 Property Records

Gloucester County property record for 6972 Emerson Ln, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,202 sqft · built 1979
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Tax Bill	$1,512 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18781`

Property Details

APN / Parcel Number

Primary APN	`18781`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Garage Area	264 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6972 EMERSON LN
City	HAYES
State	VA
Zip	23072-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	SEAWELLS TRACE SEC 1 LOT 12
Legal Subdivision	PLAT: PB13 20
Legal Lot Number	12
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1025
Census Tract	100302

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	Individual Name on Record
Mailing Address	6972 EMERSON LN, HAYES, VA 23072-2906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Dec 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jul 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 23, 2026
Property Address	6972 EMERSON LN, HAYES, VA 23072-2906
Document Number	0000004418
Instrument Date	May 8, 2026
Instrument	20264418
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6972 EMERSON LN, HAYES, VA 23072-2906

Mortgage

Document Number	0000004418,
Date	Sep 23, 2026
Instrument	20264418

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6972 EMERSON LN, HAYES, VA 23072-2906
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200006906
Date	Dec 11, 2020
Instrument	200006906

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.63%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	6972 EMERSON LN, HAYES, VA 23072-2906
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210005113
Date	Jul 20, 2021
Instrument	210005113

Lender

Name	QUICKEN LOANS LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$1,512.00 (+92.86%)	$259,420 (+15.08%) Land $62,690 Building $196,730	$259,420 (+15.08%) Land $62,690 Building $196,730
2025	$784.00 (+9.8%)	$225,420 (-) Land $62,690 Building $162,730	$225,420 (-) Land $62,690 Building $162,730
2024	$714.00	$225,420 (-) Land $62,690 Building $162,730	$225,420 (-) Land $62,690 Building $162,730
2023	$714.00 (+17.82%)	$225,420 (+35.41%) Land $62,690 Building $162,730	$225,420 (+35.41%) Land $62,690 Building $162,730
2022	$606.00	$166,470 Land $58,770 Building $107,700	$166,470 Land $58,770 Building $107,700

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (2003–2012)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Isabel, Sep 2003 · 4 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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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