8441 Exchange Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 8441 Exchange Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1984
Lot Size	14.4 acres (628,571 sqft)
Owner	Individual Name on Record
Last Sale	$172,500 (Sep 2025)
Tax Bill	$1,211 (2026)
Deeds & Mortgages	Sep 2019 Reverse Mortgage Apr 2022 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41155`

Property Details

APN / Parcel Number

Primary APN	`41155`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	628,571 sqft (14.4 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	8441 EXCHANGE LN
City	GLOUCESTER
State	VA
Zip	23061-5308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	PINEY POINT
Legal Subdivision	PLAT: DPB49 246247
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2005
Census Tract	100203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Toddsbury listed 1969 · 4 contributing resources · NRIS 69000245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Gloucester County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2019	Deed of Trust, Mortgage · Reverse Mortgage ALCOVA MORTGAGE LLC
Apr 5, 2022	Deed of Trust, Mortgage · Reverse Mortgage LIBERTY REVERSE MORTGAGE
Oct 9, 2025	Intrafamily Transfer, Transfer
Sep 12, 2025	Special Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 24, 2025	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Mar 24, 2025 · Amount on Record
Deed Document Number	20253815
Prior Transfer Date	Mar 18, 2025
Prior Transfer Doc	0000001142
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190003968
Date	Sep 11, 2019
Instrument	190003968

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	959 Months
Due	Aug 5, 2099

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2020
Margin	5

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENNCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002022
Date	Apr 5, 2022
Instrument	220002022

Lender

Name	LIBERTY REVERSE MORTGAGE
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	928 Months
Due	Aug 5, 2099

Interest

Rate Type	Adjustable Rate
Rate	3.23%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Margin	5

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GLOUCESTER VA
Recording Date	Oct 9, 2025
Property Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Document Number	0250004255
Map Reference	MB 26 PG 89&89A
Instrument Date	Oct 6, 2025
Instrument	250004255
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7018 COLEMANS CROSSING AVE, HAYES, VA 23072-3333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	7018 COLEMANS CROSSING AVE, HAYES, VA 23072-3333

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Sep 12, 2025
Property Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Document Number	0250003815
Instrument Date	Apr 29, 2025
Instrument	250003815
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$172.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308

March 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GLOUCESTER VA
Recording Date	Mar 24, 2025
Property Address	8441 EXCHANGE LN, GLOUCESTER, VA 23061-5308
Document Number	0250001142
Instrument Date	Mar 18, 2025
Instrument	250001142
Transaction Type	Foreclosure
Record Updated	Oct 30, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Gloucester County assessment roll, as of October 27, 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
2026	$1,211.00 (+302.33%)	$207,760 (+22.33%) Land $123,710 Building $84,050	$207,760 (+22.33%) Land $123,710 Building $84,050
2025	$301.00 (-51.06%)	$169,830 (-) Land $85,060 Building $84,770	$169,830 (-) Land $85,060 Building $84,770
2024	$615.00 (+57.69%)	$169,830 (-) Land $85,060 Building $84,770	$169,830 (-) Land $85,060 Building $84,770
2023	$390.00 (-58.55%)	$169,830 (+30.81%) Land $85,060 Building $84,770	$169,830 (+30.81%) Land $85,060 Building $84,770
2022	$941.00	$129,830 Land $66,440 Building $63,390	$129,830 Land $66,440 Building $63,390

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

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 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

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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