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✓ Source: REIN MLS #10598428 · record updated Sep 1, 2026 · synced every 2 min · your inquiry is never resold
5323 Clay Bank RD, GLOUCESTER VA 23061 - Main photo
2beds
2baths
1,632sqft
377days on market

5323 Clay Bank Rd, Gloucester, VA 23061

Off MarketResidential · built 1974 · ALL OTHERS AREA 121

About this home

Diamond in the Rough. Bring your hammers and your saws to finish this 1632 sqft. Ranch. Many of the items needed to finish the project are onsite including water heater, some windows, insulation- approximately 80%, vanities, lights and ceiling fans. Many new windows have been installed. New electric panel box and electric roughed in. Sub flooring has been replaced. New French Door and deck/steps. Tubs in place. New Well Pump in Home waiting to be installed. This is an AS IS Cash Sale only. When finished you will have a great location in Mid Country Gloucester. Come and Finish this Project and make this your NextHome today!

Listing courtesy of Debbie Martin · NextHome Coast to Country RE · REIN MLS #10598428

Facts & features

Type

Residential

Year built

1974

Price / sqft

$101

HOA

None

Taxes

$1,218/yr

County

Gloucester County VA

MLS #

10598428

Interior

Bedrooms
2
Full baths
2
Approx. sqft
1,632
Stories
1
Flooring
Other
Ensuite bedrooms
1
First-floor bed & full bath
Yes
Total rooms
5
Other rooms
1st Floor Primary BR, Pantry, Utility Room

Construction & exterior

Style
Ranch
Subtype
Detached
Foundation
Crawl
Roof
Composite
Exterior
Vinyl
Exterior features
Deck, Well
Pool
No Pool

Utilities & systems

Water
Well
Sewer
Septic

Lot, parking & ownership

Lot size
0.5060
Approx. acres
0.51
Subdivision
ALL OTHERS AREA 121
Zoning
SC-1
Ownership
Fee Simple
Garage
No
Parking
Off Street
Possession
CLOSING
Disclosures
Disclosure Statement

Sources: REIN MLS record · city assessor

Keep searching in Gloucester

See all Gloucester homes for sale.

How Far Is?

Driving distance by road and typical drive time via Google Maps, to the nearest location of each. Straight-line distances in “What’s nearby” are shorter.

Homes like this one sell fast — see the next one first

Gloucester$140K – $190K2+ beds

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Schools

VaHome School Score

Our own 1–10 rating, scored from Virginia Department of Education data.

  • ElementaryBethel Elementary
    —
  • MiddlePeasley Middle
    —
  • HighGloucester
    —

VaHome School Score — calculated by VaHome.com from Virginia Department of Education assessment, progress, and attendance data. Attendance zones come from the MLS listing record; confirm the current zone with the school division before making an offer.

Flood & environment

FEMA flood zone X · outside the high-risk area · FIRM 51073C

Flood Risk (FEMA)

Source: FEMA National Flood Hazard Layer · FIRM 51073C

Low / Moderate Risk

FEMA flood zone

X (low to moderate risk)

Base flood elevation

Not applicable in low-risk zones

Zone X is outside the Special Flood Hazard Area; FEMA doesn\u2019t define a BFE here.

Property elevation

31.4 ft above sea level

USGS 3DEP digital elevation model

Outside the high-risk Special Flood Hazard Area. Federal flood insurance is NOT required, though optional preferred-rate NFIP coverage is still worth considering in coastal Hampton Roads.

Data sources: Flood zone and base flood elevation come from FEMA\u2019s National Flood Hazard Layer. Property elevation is sampled from a single point on the parcel using the USGS National Map elevation service \u2014 actual elevations across a single property can vary by several feet higher or lower than the figure shown. Use these numbers as a starting reference and do your own due diligence (a professional survey or elevation certificate) before relying on them for any financial, insurance, or construction decision.

Hurricane Evacuation Zone

Not in a designated hurricane evacuation zone.

Source: Virginia Dept. of Emergency Management — Know Your Zone

Gloucester VA homes for sale →

Location intelligence

What's nearby

Location & Neighborhood

Distances are straight-line (as the crow flies) from this property, not driving miles. Places within ~1 mile, nearest first. Powered by Google Places.

Military Commute

Drive times to nearest bases

Camp Peary

DoD

39min·27.7mi

NWS Yorktown

Navy

25min·17.6mi

JBLE Ft Eustis

Army

33min·24.4mi

JBLE Langley

Air Force

51min·37.5mi

NSA HR

Navy

61min·49.3mi

Drive times via Google Maps with current traffic patterns. Times are typical and may vary by time of day. Use the "Analyze" button up top to see live drive time to your saved base.

The numbers

Payment Calculator

Estimates only — taxes come from the public record; confirm rates with your lender. VA-eligible buyers: $0-down financing may apply.

Estimate your monthly payment

$1,006/mo

Principal & interest

$856

Property tax

$102

Home insurance

$48

PMI

None

HOA/Condo (paid separately)

None

Estimate only. Association (HOA/condo) fees are paid separately and are not included in the payment above. Insurance assumed at 0.35% of home value annually. Actual taxes, insurance, and rate will vary by lender, credit, and property. Contact a lender for a personalized quote.

Value & history

Comparables

Asking vs. assessment

91% of $181,760

City assessment record · taxes $1,218/yr

Land share of assessed value

28% — $51,790

Improvements $129,970 · assessor record ✓

Price context — similar nearby homes

$260,000 – $405,000

The 6 most similar homes nearby (same city, within ~20% of this size, ~2.5 mi; 6 sold). Context for judging the asking price — not an appraisal or an estimate of this home's value.

5641 Clay Bank RD · 0.6 mi · 1,392 sqft$260,000 sold 2026-02
5111 Duchess LN · 0.7 mi · 1,424 sqft$350,000 sold 2026-08
4404 Hickory Fork RD · 1.4 mi · 1,488 sqft$405,000 sold 2026-04

Own a home nearby? See what it is worth today — What's your Gloucester home worth?

Sale & Tax History

List Price

$165,000

Price / Sq Ft

$101

Annual Taxes

$1,218

Monthly Tax

$102

HOA

None

Tax Rate (effective)

0.74%

Sale Timeline (this listing)

EventDatePriceDetail
ListedAug 20, 2025$165,000—
Price reducedJun 5, 2026$165,000−$10,000
Currently listed—$165,000—

Public-Records Assessment

Source: City Assessor via Hampton Roads Regional Parcels.

9% below assessment

Total Assessed

$181,760

Land

$51,790

Improvement

$129,970

Looking for multi-year tax assessments or prior sales? REIN MLS only ships data for the current listing. For full property history, check the city assessor record:

Gloucester Assessor (Google)

Tax data above from REIN public-records sync. Sale timeline tracked from this listing's first appearance in our feed forward; prior owner sales are not included.

Comparable Properties

Comps are selected by city, bed count, square footage and price proximity. Composite similarity score weights bed match, sqft variance, price variance, and straight-line distance.

Questions buyers ask

Is 5323 Clay Bank Rd in a good school zone?+
The assigned zones on the listing record are Bethel Elementary (VaHome School Score 7.5/10), Peasley Middle, Gloucester. School attendance zones can change — always confirm enrollment with the local school division.
Is 5323 Clay Bank Rd in a flood zone?+
FEMA maps this parcel in Zone X, outside the high-risk Special Flood Hazard Area. See the flood section on this page for details and sources.
Does 5323 Clay Bank Rd have an HOA?+
No — there are no HOA, condo, or association dues on the listing record for this property.
When was 5323 Clay Bank Rd built?+
It was built in 1974, per the listing record.

Answers generated from the listing record, verified school zones, FEMA data, and cached nearby-places data — never invented.

The people

You'll talk to a person, not a lead queue

TD

Tom & Dariya Milan

Brokered by LPT Realty · Hampton Roads

Listing courtesy of Debbie Martin · NextHome Coast to Country RE · REIN MLS #10598428

Call or text (757) 777-7577

Ask Dariya — instant answers

Schools, flood, drive times, what it really costs to own — answered from this page's data, by chat or voice.

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5323 Clay Bank Rd, Gloucester — photo

See it in person — the record only says so much.

Call or text (757) 777-7577

5323 Clay Bank Rd, Gloucester, Virginia 23061 · MLS #10598428 · Source: REIN MLS + public record. Information deemed reliable but not guaranteed — verify independently. School zones subject to change; confirm with the local school division. All locations are described by neutral geographic fact. Equal Housing Opportunity.

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