Chesapeake City property record for 1428 Winfall Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,840 sqft · built 1972 |
| Lot Size | 0.375 acres (16,335 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,946 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2024 Second Mortgage + 1 more |
| APN | 0491004001090 |
| Primary APN | 0491004001090 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,840 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,335 sqft (0.375 acres) |
| Lot Dimensions | 150 ft deep x 109 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 484 sqft |
| Patio Area | 341 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1428 WINFALL DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-3944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 109 ALBEMARLE ACRES SEC 3 |
| Legal Subdivision | ALBEMARLE ACRES |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 21101 |
1428 Winfall Dr is owned and occupied by two individuals who acquired it in June 2024.
Source: Chesapeake City records, as of October 13, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1428 WINFALL DR, CHESAPEAKE, VA 23322-3944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Jan 23, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 3, 2024 |
| Transfer Doc | 10757/1056 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 15, 2026 |
| Property Address | 1428 WINFALL DR, CHESAPEAKE, VA 23322-3944 |
| Document Number | 0000023921 |
| Book / Page | 11022 / 1954 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 202623921 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1428 WINFALL DR, CHESAPEAKE, VA 23322-3944 |
| Document Number | 0000023921, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 11022/1954 |
| Instrument | 202623921 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1428 WINFALL DR, CHESAPEAKE, VA 23322-3944 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2024 |
| Name | Verified Name |
|---|
| Document Number | 10722/1385 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 10722/1385 |
| Instrument | 240001771 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 1428 WINFALL DR, CHESAPEAKE, VA 23322-3944 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|
| Document Number | 10720/1993 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 10720/1993 |
| Instrument | 240001270 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2039 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1428 Winfall Dr was $3,946, up 4.6% 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 | $411,900 (+5.43%) Land $210,000 Building $201,900 | $411,900 (+5.43%) Land $210,000 Building $201,900 | |
| 2025 | $3,946.00 (+4.59%) | $390,700 Land $185,000 Building $205,700 | $390,700 Land $185,000 Building $205,700 |
| 2024 | $3,773.00 | ||
| 2023 | $353,100 (+11%) Land $175,000 Building $178,100 | $353,100 (+11%) Land $175,000 Building $178,100 | |
| 2022 | $318,100 Land $150,000 Building $168,100 | $318,100 Land $150,000 Building $168,100 | |
| 2019 | $2,913.00 |
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 1428 Winfall Dr; 21 flood insurance policies are in force nearby.
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 21 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 21 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.
Wildfire risk around 1428 Winfall Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% 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 143 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 |
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