7345 Luck Ave, Mechanicsville, VA 23111 Property Records

Hanover County property record for 7345 Luck Ave, Mechanicsville, VA 23111

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,251 sqft · built 1942
Lot Size	0.362 acres (15,769 sqft)
Owner	Individual Name on File
Last Sale	$144,950 (Sep 2013)
Tax Bill	$2,173 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8704-86-2850`

Property Details

APN / Parcel Number

Primary APN	`8704-86-2850`
Alternative APN	`10160366`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,251 sqft Living Area
Gross Area	1,131 sqft
1st Floor Area	1,251 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	15,769 sqft (0.362 acres)

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Patio Area	90 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10160366
Street Address	7345 LUCK AVE
City	MECHANICSVILLE
State	VA
Zip	23111-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LUCK AVE, LOT 4
Legal Subdivision	MECHANICSVILLE FARM
Legal Lot Number	4
Jurisdiction	HANOVER VA
Township / Civil Division	MECHANICSVILLE
Census Block Group	2
Census Block	2003
Census Tract	321100

Owner

7345 Luck Ave is owned and occupied by an individual who bought it in September 2013.

Source: Hanover County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Jan 23, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VIRGINIA CREDIT UNION INC
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE COMPANY INC
May 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2013 · Amount on File
Deed Sale	Sep 20, 2013 · Amount on File
Prior Sale	Mar 1, 2007 · Amount on File
Deed Document Number	2013151000
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Recording Date	Aug 25, 2026
Property Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707
Document Number	0000100010
Book / Page	3452 / 3253
Instrument Date	Aug 20, 2026
Instrument	2026100010
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707

Mortgage

Document Number	0000100010,
Date	Aug 25, 2026
Book Page	3452/3253
Instrument	2026100010

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2046

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003389921
Date	Jan 23, 2024
Book Page	3389/921
Instrument	20240123000005860

Lender

Name	VIRGINIA CREDIT UNION INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 28, 2029

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032322731
Date	Aug 30, 2019
Book Page	3232/2731
Instrument	20190830000107860

Lender

Name	SIERRA PACIFIC MORTGAGE COMPANY INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.88%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	7345 LUCK AVE, MECHANICSVILLE, VA 23111-1707
Document Number	32232110
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7345 LUCK AVE MECHANICSVILLE VA 231111707, MECHANICSVILLE, VA 23111-1707

Mortgage

Document Number	32232110
Date	May 14, 2019
Book Page	003223/002110
Instrument	53810

Lender

Name	VIRGINIA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 13, 2024

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 7345 Luck Ave was $2,173.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,173.00	$268,300 Land $90,000 Building $178,300	$268,300 Land $90,000 Building $178,300

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

Flood

FEMA maps place 7345 Luck Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · 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
Nearby Flood Claims	3 (2004–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2010 · 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

Wildfire risk around 7345 Luck Ave is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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