8704 Exchange Ln, Gloucester, VA 23061 Property Records

Gloucester County property record for 8704 Exchange Ln, Gloucester, VA 23061

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,638 sqft · built 1997
Lot Size	1.29 acres (56,192 sqft)
Owner	Individual Name on Record
Tax Bill	$2,182 (2026)
Deeds & Mortgages	Aug 2023 Refinance Dec 2019 Refinance
Flood Zone	Zone X (moderate risk)
APN	`14747`

Property Details

APN / Parcel Number

Primary APN	`14747`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	56,192 sqft (1.29 acres)
Porch	Slab
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	8704 EXCHANGE LN
City	GLOUCESTER
State	VA
Zip	23061-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	BERKSHIRE PARCEL C
Legal Subdivision	PLAT: PB20 58
Jurisdiction	GLOUCESTER VA
Township / Civil Division	WARE
Census Block Group	2
Census Block	2014
Census Tract	100203

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	8704 EXCHANGE LN, GLOUCESTER, VA 23061-5303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	8704 EXCHANGE LN, GLOUCESTER, VA 23061-5303
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230003068
Date	Aug 10, 2023
Instrument	230003068

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	8704 EXCHANGE LN, GLOUCESTER, VA 23061-5303
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190005866
Date	Dec 18, 2019
Instrument	190005866

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.38%

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	$2,182.00 (+10.48%)	$374,190 (+16.32%) Land $88,970 Building $285,220	$374,190 (+16.32%) Land $88,970 Building $285,220
2025	$1,975.00 (+5.33%)	$321,700 (-) Land $74,620 Building $247,080	$321,700 (-) Land $74,620 Building $247,080
2024	$1,875.00	$321,700 (-) Land $74,620 Building $247,080	$321,700 (-) Land $74,620 Building $247,080
2023	$1,875.00 (+23.84%)	$321,700 (+53.96%) Land $74,620 Building $247,080	$321,700 (+53.96%) Land $74,620 Building $247,080
2022	$1,514.00	$208,950 Land $37,860 Building $171,090	$208,950 Land $37,860 Building $171,090

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	0.01% 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.

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)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Exchange Ln

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