Northampton County property record for 15 E Bay Dr, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,956 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $820,000 (Mar 2022) |
| Tax Bill | $5,284 (2025) |
| Deeds & Mortgages | Nov 2022 Transfer Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83A1-12-172 |
| Primary APN | 83A1-12-172 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,956 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Deck Area | 1,040 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 10003774 |
|---|---|
| Street Address | 15 E BAY DR |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 172 KINGS BAY PHASE IV LOT 172 KINGS BAY PHASE IV |
| Legal Phase | 4 |
| Legal Lot Number | 172 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3413 VASKO DR, GLEN ALLEN, VA 23059-5959 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2022 | Transfer on Death Deed, Transfer |
| Mar 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2022 · Amount on Record |
| Deed Sale | Mar 4, 2022 · Amount on Record |
| Prior Sale | Apr 4, 2013 · Amount on Record |
| Deed Document Number | 220000620 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Nov 22, 2022 |
| Property Address | 15 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Number | 0220002727 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 220002727 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Mar 4, 2022 |
| Property Address | 15 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Number | 0220000620 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 220000620 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2022 |
| Title Company | SHORE TITLE LLC |
| 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 | 15 E BAY DR, CAPE CHARLES, VA 23310-2778 |
| Document Number | 0220000621 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 220000621 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0220000623 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 220000623 |
| Name | TOWER FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 25, 2052 |
| Rate Type | Adjustable 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 | $5,284.00 (+41.66%) | $749,600 (+52.7%) Land $87,400 Building $662,200 | |
| 2024 | $749,600 (+52.7%) Land $87,400 Building $662,200 | ||
| 2023 | $3,730.00 | $490,900 Land $72,400 Building $418,500 | $490,900 Land $72,400 Building $418,500 |
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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