2205 Cuddy Ct, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 2205 Cuddy Ct, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,970 sqft · built 2008
Lot Size	0.347 acres (15,115 sqft)
Owner	Individual Name on File
Last Sale	$324,900 (Jun 2012)
Tax Bill	$5,497 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2022 Second Mortgage + 4 more
APN	`0343024000160`

Property Details

APN / Parcel Number

Primary APN	`0343024000160`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,970 sqft Living Area
1st Floor Area	1,145 sqft
Upper Floors Area	1,145 sqft
Attic	Attic
Attic Area	198 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,115 sqft (0.347 acres)
Lot Dimensions	30 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	506 sqft
Porch	Slab
Porch Area	30 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2205 CUDDY CT
City	CHESAPEAKE
State	VA
Zip	23323-4081
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	16 SHIPS LANDING SEC 1
Legal Subdivision	RIDDICK'S QUAY, SHIP'S CROSSING & LANDI
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1020
Census Tract	21304

Owner

2205 Cuddy Ct is owned and occupied by an individual who bought it in June 2012.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Oct 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Oct 11, 2016	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
Dec 14, 2020	Intrafamily Transfer, Transfer · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Oct 2, 2008	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2012 · Amount on File
Deed Sale	Jun 14, 2012 · Amount on File
Prior Sale	Oct 31, 2011 · Amount on File
Deed Book / Page	8725 / 372
Prior Transfer Date	Sep 14, 2011
Prior Transfer Doc	8521/512
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Aug 17, 2026
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Document Number	0000021346
Book / Page	11013 / 949
Instrument Date	Aug 4, 2026
Instrument	202621346
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081

Mortgage

Document Number	0000021346,
Date	Aug 17, 2026
Book Page	11013/949
Instrument	202621346

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010607/919
Date	Oct 6, 2022
Book Page	10607/919
Instrument	220030861

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2037

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010274/414
Date	Dec 14, 2020
Book Page	10274/414
Instrument	200047332

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	312 Months
Due	Dec 1, 2046

Interest

Rate Type	Fixed Rate

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009707/623
Date	Oct 11, 2016
Book Page	9707/623
Instrument	160028219

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2046

Interest

Rate Type	Fixed Rate

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Dec 14, 2020
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Document Number	10274/410
Book / Page	10274 / 410
Instrument Date	Nov 7, 2020
Instrument	200047331
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081

Mortgage

Document Number	10274/414
Date	Dec 14, 2020
Book Page	10274/414
Instrument	200047332

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	312 Months
Due	Dec 1, 2046

Interest

Rate Type	Fixed Rate

October 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Oct 2, 2008
Property Address	2205 CUDDY CT, CHESAPEAKE, VA 23323-4081
Document Number	007617/209
Book / Page	7617 / 209
Instrument Date	Sep 24, 2008
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007617212
Date	Oct 2, 2008
Instrument	7617/212

Lender

Name	SUNTRUST MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2205 Cuddy Ct was $5,497, up 3.7% from the year before.

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$571,500 (+5%) Land $205,000 Building $366,500	$571,500 (+5%) Land $205,000 Building $366,500
2025	$5,497.00 (+3.66%)	$544,300 Land $190,000 Building $354,300	$544,300 Land $190,000 Building $354,300
2024	$5,303.00
2023		$506,800 (+8.13%) Land $140,000 Building $366,800	$506,800 (+8.13%) Land $140,000 Building $366,800
2022		$468,700 Land $130,000 Building $338,700	$468,700 Land $130,000 Building $338,700
2019	$3,936.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 2205 Cuddy Ct; there have been 19 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 401 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	401 in force
Nearby Flood Claims	19 (1998–2024)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Nov 2024 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 5 claims Hurricane Isabel, Sep 2003 · 4 claims

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

Wildfire risk around 2205 Cuddy Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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