Gloucester County property record for 8451 Exchange Ln, Gloucester, VA 23061
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,082 sqft · built 2004 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,280 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 41156 |
| Primary APN | 41156 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,082 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 131,116 sqft (3.01 acres) |
| Garage Area | 550 sqft |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 8451 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: PB25 121 |
| Jurisdiction | GLOUCESTER VA |
| Township / Civil Division | WARE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 100203 |
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.
8451 Exchange Ln 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 | 8451 EXCHANGE LN, GLOUCESTER, VA 23061-5308 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GLOUCESTER VA |
| Property Address | 8451 EXCHANGE LN, GLOUCESTER, VA 23061-5308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Title Company | THE CLOSING SHOP LLC |
| Name | Verified Name |
|---|
| Document Number | 0220000286 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 220000286 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
The 2026 property tax bill for 8451 Exchange Ln was $2,280, up 4.3% 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 | $2,280.00 (+4.35%) | $391,000 (+9.83%) Land $74,340 Building $316,660 | $391,000 (+9.83%) Land $74,340 Building $316,660 |
| 2025 | $2,185.00 (+5.3%) | $356,010 (-) Land $61,440 Building $294,570 | $356,010 (-) Land $61,440 Building $294,570 |
| 2024 | $2,075.00 | $356,010 (-) Land $61,440 Building $294,570 | $356,010 (-) Land $61,440 Building $294,570 |
| 2023 | $2,075.00 (+6.96%) | $356,010 (+33.02%) Land $61,440 Building $294,570 | $356,010 (+33.02%) Land $61,440 Building $294,570 |
| 2022 | $1,940.00 | $267,630 Land $45,550 Building $222,080 | $267,630 Land $45,550 Building $222,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8451 Exchange Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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 |
|
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 8451 Exchange Ln 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 | 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 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 |
5G and 4G LTE (outdoors only)
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