9278 Rowes Point Rd, Hayes, VA 23072 Property Records

Gloucester County property record for 9278 Rowes Point Rd, Hayes, VA 23072

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,326 sqft · built 2005
Lot Size	19.3 acres (843,322 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,544 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`22909`

Property Details

APN / Parcel Number

Primary APN	`22909`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,326 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	843,322 sqft (19.3 acres)
Garage Area	704 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9278 ROWES POINT RD
City	HAYES
State	VA
Zip	23072-4327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	SEVERN SEVERN RIVER - SOUTHWEST BRANCH
Legal Subdivision	PLAT: PB22 987
Jurisdiction	GLOUCESTER VA
Township / Civil Division	YORK
Census Block Group	1
Census Block	1011
Census Tract	100500

Owner

9278 Rowes Point Rd, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 98, BENA, VA 23018-0098
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
Feb 14, 2018	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Feb 14, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage CHESAPEAKE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	9278 ROWES POINT RD, HAYES, VA 23072-4327
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000641
Date	Feb 14, 2018
Instrument	180000641

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	9278 ROWES POINT RD, HAYES, VA 23072-4327
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000640
Date	Feb 14, 2018
Instrument	180000640

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2033

Interest

Rate Type	Fixed Rate
Rate	3.63%

Tax Assessment & Valuation

The 2026 property tax bill for 9278 Rowes Point Rd was $4,544, up 5.6% from the year before.

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	$4,544.00 (+5.65%)	$766,300 (+11.17%) Land $291,390 Building $474,910	$766,300 (+11.17%) Land $291,390 Building $474,910
2025	$4,301.00 (+5.24%)	$689,290 (-) Land $243,440 Building $445,850	$689,290 (-) Land $243,440 Building $445,850
2024	$4,087.00	$689,290 (-) Land $243,440 Building $445,850	$689,290 (-) Land $243,440 Building $445,850
2023	$4,087.00 (-8.65%)	$689,290 (+13.24%) Land $243,440 Building $445,850	$689,290 (+13.24%) Land $243,440 Building $445,850
2022	$4,474.00	$608,720 Land $300,260 Building $308,460	$608,720 Land $300,260 Building $308,460

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

Flood

FEMA maps place 9278 Rowes Point Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 573 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	573 in force
Nearby Flood Claims	268 (1982–2025)
Claims Outside the SFHA	3 of 268
Most Recent Claim	Oct 2025 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 19 claims Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 24 claims Hurricane Isabel, Sep 2003 · 138 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

Wildfire risk around 9278 Rowes Point Rd 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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	0.01% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Cox Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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