Chesapeake City property record for 1321 Elbow Rd, Chesapeake, VA 23320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,824 sqft · built 1963 |
| Lot Size | 0.751 acres (32,714 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Oct 2023) |
| Tax Bill | $4,341 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Oct 2023 Sale + 3 more |
| APN | 0380000000220 |
| Primary APN | 0380000000220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,824 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 32,714 sqft (0.751 acres) |
| Garage Type | Detached |
| Garage Area | 800 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 703 sqft |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 1,824 sqft |
| Patio Area | 540 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1321 ELBOW RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23320-3029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 1/2 10 MAKINSON PLAT |
| Legal Subdivision | OAK LAWN,ELPIKE MANOR,MELDA MANOR |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 20804 |
1321 Elbow Rd is owned by an individual who bought it in October 2023.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1300 KEMP BRIDGE DR, CHESAPEAKE, VA 23320-5059 |
| 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.
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 31, 2023 | Warranty Deed, Transfer TITLE QUEST/HAMPTON ROADS, TITLEQUEST HAMPTON ROADS LLC |
| Nov 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Dec 4, 2019 | Warranty Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE |
| Apr 1, 2019 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on File |
| Deed Sale | Oct 31, 2023 · Amount on File |
| Prior Sale | Dec 4, 2019 · Amount on File |
| Deed Document Number | 202322644 |
| Deed Book / Page | 10704 / 1133 |
| Prior Transfer Date | Mar 27, 2019 |
| Prior Transfer Doc | 9998/1755 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 3, 2026 |
| Property Address | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Document Number | 0000020047 |
| Book / Page | 11008 / 759 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202620047 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1300 KEMP BRIDGE DR, CHESAPEAKE, VA 23320-5059 |
| Document Number | 0000020047, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 11008/759 |
| Instrument | 202620047 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 31, 2023 |
| Property Address | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Document Number | 10704/1133 |
| Book / Page | 10704 / 1133 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 230022644 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Title Company | TITLE QUEST/HAMPTON ROADS, TITLEQUEST HAMPTON ROADS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1300 KEMP BRIDGE DR, CHESAPEAKE, VA 23320-5059 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010487/995 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 10487/995 |
| Instrument | 210053218 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 339 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Dec 4, 2019 |
| Property Address | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Document Number | 10086/1223 |
| Book / Page | 10086 / 1223 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 190033554 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ROCK TITLE INC, ROCKET TITLE INC |
| Amount | Amount on Record |
|---|---|
| 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 | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Document Number | 190033555 |
|---|---|
| Date | Dec 4, 2019 |
| Instrument | 190033555 |
| Name | TOWNEBANK MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Apr 1, 2019 |
| Property Address | 1321 ELBOW RD, CHESAPEAKE, VA 23320-3029 |
| Document Number | 9998/1755 |
| Book / Page | 9998 / 1755 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 190007206 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1111 BATTLEFIELD BLVD S, CHESAPEAKE, VA 23322-6602 |
The 2025 property tax bill for 1321 Elbow Rd was $4,341, up 9.1% from the year before.
Source: Chesapeake City assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Chesapeake City |
| Unified School District | Chesapeake City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $462,100 (+7.52%) Land $175,000 Building $287,100 | $462,100 (+7.52%) Land $175,000 Building $287,100 | |
| 2025 | $4,341.00 (+9.07%) | $429,800 Land $160,000 Building $269,800 | $429,800 Land $160,000 Building $269,800 |
| 2024 | $3,980.00 | ||
| 2023 | $362,500 (+6.46%) Land $120,000 Building $242,500 | $362,500 (+6.46%) Land $120,000 Building $242,500 | |
| 2022 | $340,500 Land $110,000 Building $230,500 | $340,500 Land $110,000 Building $230,500 | |
| 2019 | $2,676.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1321 Elbow Rd; there have been 23 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 23 (1998–2016) |
| Most Recent Claim | Oct 2016 · Hurricane Matthew |
| Claims by Event |
|
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 risk around 1321 Elbow Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 1 ppb (2023–2025) 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 196 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures