Gloucester County property record for 7265 Bray Rd, Hayes, VA 23072
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,064 sqft · built 1972 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Oct 2022) |
| Tax Bill | $1,199 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11734 |
| Primary APN | 11734 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,629 sqft (0.244 acres) |
| Porch | Slab |
| Deck Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 7265 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 SUBD LOT 1 |
| Legal Subdivision | HUDGINS |
| Legal Lot Number | 1 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | GLOUCESTER POINT |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 100301 |
7265 Bray Rd is owned and occupied by an individual who bought it in October 2022.
Source: Gloucester County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7265 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 |
|---|---|
| Sep 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING |
| Oct 31, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on File |
| Deed Sale | Oct 31, 2022 · Amount on File |
| Deed Document Number | 20225763 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Sep 1, 2026 |
| Property Address | 7265 BRAY RD, HAYES, VA 23072-3432 |
| Document Number | 0000004029 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20264029 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | WESTCOR LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 7265 BRAY RD, HAYES, VA 23072-3432 |
| Document Number | 0000004029, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20264029 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Recording Date | Oct 31, 2022 |
| Property Address | 7265 BRAY RD, HAYES, VA 23072-3432 |
| Document Number | 0220005763 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 220005763 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2022 |
| Title Company | HAMPTON ROADS TITLE/VA INC, HAMPTON ROADS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7265 BRAY RD, HAYES, VA 23072-3432 |
| Document Number | 0220005764 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 220005764 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
The 2026 property tax bill for 7265 Bray Rd was $1,199, up 126.7% 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 | $1,199.00 (+126.65%) | $205,720 (+11.85%) Land $50,230 Building $155,490 | $205,720 (+11.85%) Land $50,230 Building $155,490 |
| 2025 | $529.00 (-50.79%) | $183,920 (-0.29%) Land $50,230 Building $133,690 | $183,920 (-0.29%) Land $50,230 Building $133,690 |
| 2024 | $1,075.00 | $184,460 (-) Land $50,230 Building $134,230 | $184,460 (-) Land $50,230 Building $134,230 |
| 2023 | $1,075.00 (+301.12%) | $184,460 (+54.02%) Land $50,230 Building $134,230 | $184,460 (+54.02%) Land $50,230 Building $134,230 |
| 2022 | $268.00 | $119,760 Land $37,030 Building $82,730 | $119,760 Land $37,030 Building $82,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7265 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 7265 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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