Isle Of Wight County property record for 22305 Charthouse Ln, Carrollton, VA 23314
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,055 sqft · built 2007 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $418,000 (Mar 2025) |
| Tax Bill | $3,083 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34M-02-014 |
| Primary APN | 34M-02-014 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,055 sqft Living Area |
| 1st Floor Area | 3,006 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 22305 CHARTHOUSE LN |
|---|---|
| City | CARROLLTON |
| State | VA |
| Zip | 23314-3377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | LOT 14 PH 7 TRACT 2 EAGLE HARBOR PLAT 2-134-11 |
| Legal Subdivision | SUBDIVISION PLAT OF EAGLE HARBOR |
| Legal Tract | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | ISLE OF WIGHT VA |
| Township / Civil Division | NEWPORT |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 280108 |
22305 Charthouse Ln is owned and occupied by two individuals who bought it in March 2025.
Source: Isle Of Wight County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22305 CHARTHOUSE LN, CARROLLTON, VA 23314-3377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Mar 24, 2025 | Bargain and Sale Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2025 · Amount on File |
| Deed Sale | Mar 24, 2025 · Amount on File |
| Prior Sale | Mar 3, 2008 · Amount on File |
| Deed Document Number | 20251184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Apr 24, 2026 |
| Property Address | 22305 CHARTHOUSE LN, CARROLLTON, VA 23314-3377 |
| Document Number | 0000001972 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261972 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 22305 CHARTHOUSE LN, CARROLLTON, VA 23314-3377 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001972, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 20261972 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ISLE OF WIGHT VA |
| Recording Date | Mar 24, 2025 |
| Property Address | 22305 CHARTHOUSE LN, CARROLLTON, VA 23314-3377 |
| Document Number | 0250001184 |
| Map Reference | CAB 2 SL 134 |
| Instrument Date | Mar 21, 2025 |
| Instrument | 250001184 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $418.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 22305 CHARTHOUSE LN, CARROLLTON, VA 23314-3377 |
| Document Number | 0250001185 |
|---|---|
| Date | Mar 24, 2025 |
| Instrument | 250001185 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2055 |
The 2026 property tax bill for 22305 Charthouse Ln was $3,083, up 4.5% from the year before.
Source: Isle Of Wight County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Isle Of Wight County |
| Unified School District | Isle of Wight County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,083.00 (+4.51%) | $380,700 (-) Land $70,000 Building $310,700 | $380,700 (-) Land $70,000 Building $310,700 |
| 2025 | $2,950.00 | $380,700 Land $70,000 Building $310,700 | $380,700 Land $70,000 Building $310,700 |
| 2023 | $380,700 Land $70,000 Building $310,700 | $380,700 Land $70,000 Building $310,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22305 Charthouse Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
Source: FEMA National Flood Hazard Layer, effective January 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding |
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 22305 Charthouse Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 58% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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