Northampton County property record for 190 Old Course Loop, Cape Charles, VA 23310
| Lot Size | 0.221 acres (9,627 sqft) |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $710,000 (Jun 2025) |
| Tax Bill | $3,893 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Jun 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-31-10A |
| Primary APN | 90-31-10A |
|---|---|
| Alternative APNs |
|
| Lot Area | 9,627 sqft (0.221 acres) |
|---|
| Account Number | 7323 |
|---|---|
| Street Address | 190 OLD COURSE LOOP |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2375 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Description | LOT 10A FAIRWAYS III-DUPLEXE LOT 10A FAIRWAYS III-DUPLEXE |
| Legal Phase | 1 |
| Legal Lot Number | 10A |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 930301 |
Source: Northampton County records · APN 90-31-10A
Assessment roll updated August 1, 2025 · Last verified March 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2805 HUNTINGTON SPRINGS DR, ROCKINGHAM, VA 22801-3137 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2024 | Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION |
| Jun 25, 2025 | Deed, Transfer · Conventional Mortgage VBS MORTGAGE LLC |
| Jan 03, 2024 | Intrafamily Transfer, Transfer |
| May 28, 2021 | Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 2025 · Amount on Record |
| Deed Sale | Jun 25, 2025 · Amount on Record |
| Prior Sale | Jan 03, 2024 |
| Deed Document Number | 250001092 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0240001337 |
|---|---|
| Date | Jul 31, 2024 |
| Instrument | 240001337 |
| Name | ALLIANT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Jun 25, 2025 |
| Property Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Document Number | 0250001092 |
| Instrument Date | Jun 24, 2025 |
| Instrument | 250001092 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2805 HUNTINGTON SPRINGS DR, ROCKINGHAM, VA 22801-3137 |
| Document Number | 0250001093 |
|---|---|
| Date | Jun 25, 2025 |
| Instrument | 250001093 |
| Name | VBS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Jul 01, 2032 |
| Change Frequency | 3 Years |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.37% |
| Index | 3-Year TN |
| Max Rate | 12.3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Jan 03, 2024 |
| Property Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Document Number | 0240000011 |
| Instrument Date | Jan 03, 2024 |
| Instrument | 240000011 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | May 28, 2021 |
| Property Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Document Number | 0210001489 |
| Instrument Date | May 06, 2021 |
| Instrument | 210001489 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 190 OLD COURSE LOOP, CAPE CHARLES, VA 23310-2375 |
| Document Number | 0210001490 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 210001490 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Northampton County records · Assessment roll updated August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,893.00 (-6.37%) | $552,200 (+0.91%) Land $137,400 Building $414,800 | |
| 2024 | $552,200 (+0.91%) Land $137,400 Building $414,800 | ||
| 2023 | $4,158.00 | $547,200 Land $137,400 Building $409,800 | $547,200 Land $137,400 Building $409,800 |
Source: FEMA National Flood Hazard Layer as of October 26, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 64 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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