7685 Zanoni Rd, Gloucester, VA 23061 Property Records

Gloucester County property record for 7685 Zanoni Rd, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 1963
Lot Size	1.83 acres (79,715 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Apr 2025)
Tax Bill	$744 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26278`

Property Details

APN / Parcel Number

Primary APN	`26278`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,290 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,715 sqft (1.83 acres)
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	7685 ZANONI RD
City	GLOUCESTER
State	VA
Zip	23061-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SC-1
Legal Description	WARE RIVER PARCEL 1
Legal Subdivision	PLAT: PB2 186
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	3
Census Block	3026
Census Tract	100203

Owner

Source: Gloucester County assessment roll, as of January 1, 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
Mailing Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2017	Deed of Trust, Mortgage · ARM LANGLEY FEDERAL CREDIT UNION
Jan 7, 2026	Gift Deed, Transfer · VA Mortgage TOWNE MORTGAGE CO
Aug 24, 2023	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 3, 2025 · Amount on Record
Deed Sale	Apr 3, 2025 · Amount on Record
Prior Sale	Apr 3, 2025 · Amount on Record
Deed Document Number	0250001311
Last Transfer Date	Jan 7, 2026
Transfer Doc	0260000080
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	UNKNOWN, THE CLOSERS OF VIRGINIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001272
Date	Mar 21, 2017
Instrument	170001272

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Jan 7, 2026
Property Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708
Document Number	0260000080
Map Reference	MB 32 PG 186
Instrument Date	Dec 17, 2025
Instrument	260000080
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708

Mortgage

Document Number	0260000081
Date	Jan 7, 2026
Instrument	260000081

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Aug 24, 2023
Property Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708
Document Number	0230003282
Instrument Date	Aug 18, 2023
Instrument	230003282
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	BARRISTERS SETTLEMENT AND TITLE, BARRISTERS STLMNT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7685 ZANONI RD, GLOUCESTER, VA 23061-4708

Mortgage

Document Number	0230003283
Date	Aug 24, 2023
Instrument	230003283

Lender

Name	TOWNE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2038

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Gloucester County assessment roll, as of January 1, 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
2025	$744.00 (-47.35%)	$242,410 (-) Land $44,510 Building $197,900	$242,410 (-) Land $44,510 Building $197,900
2024	$1,413.00 (+14.23%)	$242,410 (+14.18%) Land $44,510 Building $197,900	$242,410 (+14.18%) Land $44,510 Building $197,900
2023	$1,237.00 (+13.17%)	$212,300 (+40.75%) Land $44,510 Building $167,790	$212,300 (+40.75%) Land $44,510 Building $167,790
2022	$1,093.00	$150,830 Land $40,010 Building $110,820	$150,830 Land $40,010 Building $110,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	74 (1985–2022)
Claims Outside the SFHA	4 of 74
Most Recent Claim	Jul 2022 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 4 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 45 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 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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