2320 Ferndale Rd, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 2320 Ferndale Rd, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,490 sqft · built 1976
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Oct 2025)
Tax Bill	$2,783 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2006 Sale & Mortgage
APN	`0253004001760`

Property Details

APN / Parcel Number

Primary APN	`0253004001760`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	1,288 sqft
Attic	Attic
Attic Area	336 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2025
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	507 sqft
Deck Area	Deck Area
Patio Area	36 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2320 FERNDALE RD
City	CHESAPEAKE
State	VA
Zip	23323-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	176 BRENTWOOD SEC 2
Legal Subdivision	BRENTWOOD/GLEN ISLE
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1023
Census Tract	21403

Owner

2320 Ferndale Rd is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2320 FERNDALE RD, CHESAPEAKE, VA 23323-5019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 15, 2025	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB
Jun 15, 2006	Warranty Deed, Transfer · Conventional Mortgage B N C MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on File
Deed Sale	Oct 15, 2025 · Amount on File
Prior Sale	Jun 23, 2025 · Amount on File
Deed Document Number	202523934
Deed Book / Page	10905 / 630
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Oct 15, 2025
Property Address	2320 FERNDALE RD, CHESAPEAKE, VA 23323-5019
Document Number	010905/630
Book / Page	10905 / 630
Map Reference	MB 29 PG 42
Instrument Date	Oct 8, 2025
Instrument	250023934
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	OLD REPUBLIC NATL TITLE INS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2320 FERNDALE RD, CHESAPEAKE, VA 23323-5019

Mortgage

Document Number	0250023935
Date	Oct 15, 2025
Instrument	250023935

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	010905/652
Date	Oct 15, 2025
Book Page	10905/652
Instrument	250023936

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank
Address	BETHESDA, MD 20814

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 15, 2006
Property Address	2320 FERNDALE RD, CHESAPEAKE, VA 23323-5019
Document Number	006587/108
Book / Page	6587 / 108
Instrument Date	Jun 2, 2006
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount 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	0006587111
Date	Jun 15, 2006
Instrument	6587/111

Lender

Name	B N C MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	006587/133
Date	Jun 16, 2006
Book Page	6587/133

Lender

Name	LEHMAN BROTHERS BANK FSB

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2320 Ferndale Rd was $2,783, up 0.9% 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		$330,200 (+19.85%) Land $125,000 Building $205,200	$330,200 (+19.85%) Land $125,000 Building $205,200
2025	$2,783.00 (+0.91%)	$275,500 Land $120,000 Building $155,500	$275,500 Land $120,000 Building $155,500
2024	$2,758.00
2023		$267,800 (+11.91%) Land $105,000 Building $162,800	$267,800 (+11.91%) Land $105,000 Building $162,800
2022		$239,300 Land $90,000 Building $149,300	$239,300 Land $90,000 Building $149,300
2019	$1,978.00

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 2320 Ferndale Rd; there have been 89 flood claims nearby since 1978.

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 53 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	89 (1978–2018)
Claims Outside the SFHA	14 of 89
Most Recent Claim	Aug 2018 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 17 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 24 claims Hurricane Isabel, Sep 2003 · 23 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

The area around 2320 Ferndale Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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