Northampton County property record for 100 Arnies Loop, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,519 sqft · built 2004 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Apr 2021) |
| Tax Bill | $6,660 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance May 2005 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-4-57 |
| Primary APN | 90-4-57 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,519 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 526 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 10000395 |
|---|---|
| Street Address | 100 ARNIES LOOP |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 57 25,240 SQ FT BAY CREE URE LOT 57 25,240 SQ FT BAY CREE URE |
| Legal Subdivision | BAY CREEK |
| Legal Lot Number | 57 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 930301 |
Source: Northampton County records · APN 90-4-57
Assessment roll updated August 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 05, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PHH MORTGAGE CORPORATION |
| May 02, 2005 | Deed of Trust, Mortgage · ARM OPTION ONE MORTGAGE CORP |
| Jan 10, 2006 | Deed of Trust, Mortgage · Line of Credit GATEWAY BANK & TRUST CO |
| Apr 02, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION |
| May 02, 2005 | Bargain and Sale Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 02, 2021 · Amount on Record |
| Deed Sale | Apr 02, 2021 · Amount on Record |
| Prior Sale | Feb 18, 2021 · Amount on Record |
| Deed Document Number | 210000893 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210000312 |
|---|---|
| Date | Feb 05, 2021 |
| Instrument | 210000312 |
| Name | PHH MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0050001527 |
|---|---|
| Date | May 02, 2005 |
| Instrument | 050001527 |
| Name | OPTION ONE MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | IRVINE, CA 92618 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | May 01, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.75% |
| Max Rate At Change | 10.7% |
| Index | 6-Month LIBOR |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0060000100 |
|---|---|
| Date | Jan 10, 2006 |
| Instrument | 060000100 |
| Name | GATEWAY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 27, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Apr 02, 2021 |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Document Number | 0210000893 |
| Instrument Date | Mar 01, 2021 |
| Instrument | 210000893 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Feb 18, 2021 |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Document Number | 0210000409 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 210000409 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | A AND N TITLE AND SETTLEMENT, A & N TITLE & SETTLEMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Document Number | 0210000410 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 210000410 |
| Name | C&F MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Apr 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | May 02, 2005 |
| Property Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
| Document Number | 0050001575 |
| Instrument Date | Apr 06, 2005 |
| Instrument | 050001575 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $703.50 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 ARNIES LOOP, CAPE CHARLES, VA 23310-2368 |
Source: Northampton County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,660.00 (+28.1%) | $944,700 (+38.09%) Land $99,300 Building $845,400 | |
| 2024 | $944,700 (+38.09%) Land $99,300 Building $845,400 | ||
| 2023 | $5,199.00 | $684,100 Land $70,700 Building $613,400 | $684,100 Land $70,700 Building $613,400 |
Source: FEMA National Flood Hazard Layer, Northampton County (51131C), as of October 26, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511319303013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 64 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system VA3131120, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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