7105 Ware River Dr, Gloucester, VA 23061 Property Records

Gloucester County property record for 7105 Ware River Dr, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,894 sqft · built 1986
Lot Size	0.414 acres (18,034 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Sep 2007)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Dec 2020 Refinance Sep 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`32984`

Property Details

APN / Parcel Number

Primary APN	`32984`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,894 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Wood Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,034 sqft (0.414 acres)
Garage Area	676 sqft
Porch	Open Porch
Deck Area	464 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	7105 WARE RIVER DR
City	GLOUCESTER
State	VA
Zip	23061-5117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF-1
Legal Description	GLEN ROY EST. SEC 2 LOT 20
Legal Subdivision	GLEN ROY
Legal Lot Number	20
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2026
Census Tract	100203

Owner

Source: Gloucester County records · APN 32984

Assessment roll updated January 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	7105 WARE RIVER DR, GLOUCESTER, VA 23061-5117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC
Sep 07, 2017	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2007 · Amount on Record
Deed Sale	Sep 21, 2007 · Amount on Record
Deed Document Number	ID 0707239
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	7105 WARE RIVER DR, GLOUCESTER, VA 23061-5117
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA STLMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200007160
Date	Dec 28, 2020
Instrument	200007160

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	7105 WARE RIVER DR, GLOUCESTER, VA 23061-5117
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	VISTA ABSTRACT INC, VISTA ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170004307
Date	Sep 07, 2017
Instrument	170004307

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Gloucester County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Gloucester County
Unified School District	Gloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,494.00 (+5.32%)	$406,300 (-) Land $57,270 Building $349,030	$406,300 (-) Land $57,270 Building $349,030
2024	$2,368.00	$406,300 (-) Land $57,270 Building $349,030	$406,300 (-) Land $57,270 Building $349,030
2023	$2,368.00 (+7.93%)	$406,300 (+34.23%) Land $57,270 Building $349,030	$406,300 (+34.23%) Land $57,270 Building $349,030
2022	$2,194.00	$302,700 Land $43,760 Building $258,940	$302,700 Land $43,760 Building $258,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 64% of the US · above 60% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 29 locations within half a mile of this property.

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