Northampton County property record for 11 E Bay Dr, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,851 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Company Name on Record |
| Last Sale | $405,000 (Sep 2017) |
| Tax Bill | $5,563 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Jun 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 83A1-12-170 |
| Primary APN | 83A1-12-170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,851 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 246 sqft |
| Deck Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 460580 |
|---|---|
| Street Address | 11 E BAY DR |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 170 KINGS BAY PHASE IV LOT 170 KINGS BAY PHASE IV |
| Legal Phase | 4 |
| Legal Lot Number | 170 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 930301 |
Source: Northampton County records, as of March 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 5, 2025 | Intrafamily Transfer, Transfer |
| Jun 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NASA FEDERAL CREDIT UNION |
| Oct 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORPORATION |
| Nov 4, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Sep 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST FEDERAL CREDIT UNION |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on Record |
| Deed Sale | Sep 26, 2017 · Amount on Record |
| Prior Sale | Sep 26, 2017 · Amount on Record |
| Deed Document Number | 0170001554 |
| Last Transfer Date | Dec 5, 2025 |
| Transfer Doc | 0250002071 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Dec 5, 2025 |
| Property Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Number | 0250002071 |
| Map Reference | MB 30 PG 81 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 250002071 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220001713 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 220001713 |
| Name | NASA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 24, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210002786 |
|---|---|
| Date | Oct 27, 2021 |
| Instrument | 210002786 |
| Name | BETTER MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200002241 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 200002241 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 26, 2017 |
| Property Address | 11 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Number | 0170001554 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 170001554 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | A & N TITLE & SETTLEMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12528 BROWNS FERRY RD, HERNDON, VA 20170-5729 |
| Document Number | 0170001555 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 170001555 |
| Name | NORTHWEST FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.38% |
| Document Number | 0170001556 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 170001556 |
| Name | NORTHWEST FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2032 |
| Rate Type | Fixed Rate |
|---|
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 | $5,563.00 (+2.92%) | $789,100 (-) Land $87,400 Building $701,700 | |
| 2024 | $5,405.00 (+38.13%) | $789,100 (+53.25%) Land $87,400 Building $701,700 | $789,100 (+53.25%) Land $87,400 Building $701,700 |
| 2023 | $3,913.00 | $514,900 Land $72,400 Building $442,500 | $514,900 Land $72,400 Building $442,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 83 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 98 units insured incl. 15 condo units |
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 | Not rated no burnable land within 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 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Eastern Shore of Virginia Broadband Authority Fiber | 200 / 200 |
| AT&T Fixed Wireless | 100 / 20 |
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