Northampton County property record for 103 Arnies Loop, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,184 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $9,304 (2025) |
| Deeds & Mortgages | Jul 2011 Mortgage Jun 2015 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-4-88 |
| Primary APN | 90-4-88 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 5,184 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 925 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 820 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 10000401 |
|---|---|
| Street Address | 103 ARNIES LOOP |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 88 21,041 SQ FT BAY CREE URE LOT 88 21,041 SQ FT BAY CREE URE |
| Legal Subdivision | BAY CREEK |
| Legal Lot Number | 88 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 930301 |
Source: Northampton County records, as of March 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 103 ARNIES LOOP, CAPE CHARLES, VA 23310-2369 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 19, 2011 | Deed of Trust, Mortgage · ARM ING BANK FSB |
| Jun 22, 2015 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Sep 26, 2006 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Aug 31, 2005 | Intrafamily Transfer, Transfer · Construction Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2006 |
| Deed Sale | Oct 25, 2006 |
| Prior Transfer Date | Aug 31, 2005 |
| Prior Transfer Doc | 050003290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 103 ARNIES LOOP, CAPE CHARLES, VA 23310-2369 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | PEERLESS TITLE AND ESCROW INC, PEERLESS TITLE & ESCROW INC |
| Name | Verified Name |
|---|
| Document Number | 0110001198 |
|---|---|
| Date | Jul 19, 2011 |
| Instrument | 110001198 |
| Name | ING BANK FSB |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 103 ARNIES LOOP, CAPE CHARLES, VA 23310-2369 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001500/836 |
|---|---|
| Date | Jun 22, 2015 |
| Book Page | 1500/836 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2045 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 103 ARNIES LOOP, CAPE CHARLES, VA 23310-2369 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0060002692 |
|---|---|
| Date | Sep 26, 2006 |
| Instrument | 060002692 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 22, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Aug 31, 2005 |
| Property Address | 103 ARNIES LOOP, CAPE CHARLES, VA 23310-2369 |
| Document Number | 0050003290 |
| Instrument Date | Aug 31, 2005 |
| Instrument | 050003290 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 17 BLANCHARD RD, SOUTH ORANGE, NJ 07079-1301 |
| Document Number | 0050003291 |
|---|---|
| Date | Aug 31, 2005 |
| Instrument | 050003291 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50320 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 26, 2006 |
Source: Northampton County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,304.00 (+42.28%) | $1,319,800 (+53.38%) Land $91,400 Building $1,228,400 | |
| 2024 | $1,319,800 (+53.38%) Land $91,400 Building $1,228,400 | ||
| 2023 | $6,539.00 | $860,500 Land $65,400 Building $795,100 | $860,500 Land $65,400 Building $795,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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