Chesapeake City property record for 2004 Fern Mill Ct, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,894 sqft · built 2004 |
| Lot Size | 0.292 acres (12,720 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $373,160 (Feb 2005) |
| Tax Bill | $6,910 (2025) |
| Deeds & Mortgages | Feb 2022 Refinance Jun 2009 Mortgage + 2 more |
| APN | 0462004001280 |
| Primary APN | 0462004001280 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,894 sqft Living Area |
| 1st Floor Area | 1,651 sqft |
| Upper Floors Area | 1,651 sqft |
| Attic | Attic |
| Attic Area | 240 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,720 sqft (0.292 acres) |
| Lot Dimensions | 107 ft deep x 48 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 143 sqft |
| Deck Area | 168 sqft |
| Patio Area | 1,380 sqft |
| Shed | 1 Shed |
| Shed Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2004 FERN MILL CT |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-5350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 128 MILL CREEK HARBOR PH 3 |
| Legal Subdivision | MILL CREEK HARBOR,WINDROSE FARMS,KINSTON |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21305 |
Source: Chesapeake City records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2004 FERN MILL CT, CHESAPEAKE, VA 23323-5350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Jun 12, 2009 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jun 5, 2015 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 25, 2005 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2005 · Amount on Record |
| Deed Sale | Feb 25, 2005 · Amount on Record |
| Deed Book / Page | 5858 / 573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2004 FERN MILL CT, CHESAPEAKE, VA 23323-5350 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10524/1320 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 10524/1320 |
| Instrument | 220006389 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 164 Months |
| Due | Oct 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2004 FERN MILL CT, CHESAPEAKE, VA 23323-5350 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007838/710 |
|---|---|
| Date | Jun 12, 2009 |
| Book Page | 7838/710 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2004 FERN MILL CT, CHESAPEAKE, VA 23323-5350 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 009520/435 |
|---|---|
| Date | Jun 5, 2015 |
| Book Page | 9520/435 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Feb 25, 2005 |
| Property Address | 2004 FERN MILL CT, CHESAPEAKE, VA 23323-5350 |
| Document Number | 005858/573 |
| Book / Page | 5858 / 573 |
| Instrument Date | Jan 27, 2005 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| 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 |
|---|
| Document Number | 0005858575 |
|---|---|
| Date | Feb 25, 2005 |
| Instrument | 5858/575 |
| Name | WELLS FARGO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $717,000 (+4.79%) Land $220,000 Building $497,000 | $717,000 (+4.79%) Land $220,000 Building $497,000 | |
| 2025 | $6,910.00 (+55.53%) | $684,200 (+11.42%) Land $200,000 Building $484,200 | $684,200 (+11.42%) Land $200,000 Building $484,200 |
| 2023 | $614,100 (+13.14%) Land $155,000 Building $459,100 | $614,100 (+13.14%) Land $155,000 Building $459,100 | |
| 2022 | $542,800 Land $145,000 Building $397,800 | $542,800 Land $145,000 Building $397,800 | |
| 2019 | $4,443.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 223 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 223 in force |
| Nearby Flood Claims | 4 (2009–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Dec 2022 · other causes |
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 | Low lower than 99.8% of the US · lower than 99.9% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
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