Gloucester County property record for 7235 Bray Rd, Hayes, VA 23072
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,140 sqft · built 1975 |
| Lot Size | 0.609 acres (26,528 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,412 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26635 |
| Primary APN | 26635 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,528 sqft (0.609 acres) |
| Deck Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 7235 BRAY RD |
|---|---|
| City | HAYES |
| State | VA |
| Zip | 23072-3432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF-1 |
| Legal Description | HUDGINS SEC II LOT 3 |
| Legal Subdivision | PLAT: PB5 64 |
| Legal Lot Number | 3 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | GLOUCESTER POINT |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 100301 |
7235 Bray Rd is owned and occupied by two individuals.
Source: Gloucester County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7235 BRAY RD, HAYES, VA 23072-3432 |
| 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 |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage CHESAPEAKE BANK |
| Aug 21, 2018 | Deed of Trust, Mortgage · ARM CHESAPEAKE BANK |
| Dec 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CHESAPEAKE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 7235 BRAY RD, HAYES, VA 23072-3432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7235 BRAY RD, HAYES, VA 23072-3432 |
| Document Number | 0260001279 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 260001279 |
| Name | CHESAPEAKE BANK |
|---|---|
| Type | Bank |
| Address | KILMARNOCK, VA 22482 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 7235 BRAY RD, HAYES, VA 23072-3432 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0180003689 |
|---|---|
| Date | Aug 21, 2018 |
| Instrument | 180003689 |
| Name | CHESAPEAKE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 7235 BRAY RD, HAYES, VA 23072-3432 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0200007133 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 200007133 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
The 2026 property tax bill for 7235 Bray Rd was $1,412, up 6% 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 | $1,412.00 (+6.01%) | $242,190 (+11.6%) Land $64,110 Building $178,080 | $242,190 (+11.6%) Land $64,110 Building $178,080 |
| 2025 | $1,332.00 (+5.3%) | $217,020 (-) Land $64,110 Building $152,910 | $217,020 (-) Land $64,110 Building $152,910 |
| 2024 | $1,265.00 | $217,020 (-) Land $64,110 Building $152,910 | $217,020 (-) Land $64,110 Building $152,910 |
| 2023 | $1,265.00 (+10.19%) | $217,020 (+37.04%) Land $64,110 Building $152,910 | $217,020 (+37.04%) Land $64,110 Building $152,910 |
| 2022 | $1,148.00 | $158,360 Land $64,860 Building $93,500 | $158,360 Land $64,860 Building $93,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7235 Bray Rd in Zone X, an area of minimal flood risk.
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 27 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 27 in force |
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 7235 Bray Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% 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.
Source: FCC Broadband Data Collection, based on 191 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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