Chesapeake City property record for 2328 Locks Lndg, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,433 sqft · built 1988 |
| Lot Size | 0.296 acres (12,894 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Mar 2006) |
| Tax Bill | $3,737 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Dec 2020 Refinance + 3 more |
| APN | 0348001000440 |
| Primary APN | 0348001000440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,433 sqft Living Area |
| 1st Floor Area | 1,412 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,894 sqft (0.296 acres) |
| Lot Dimensions | 157 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 966 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 551 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2328 LOCKS LNDG |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 44 LOCKS LANDING SEC 2 |
| Legal Subdivision | D C CRSNG/D C FOREST/LOCKS LND/CEDAR COV |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 21304 |
2328 Locks Lndg is owned and occupied by an individual who bought it in March 2006.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| 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.
| Date | Document |
|---|---|
| Jul 10, 2017 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC |
| Sep 9, 2019 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Jun 7, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 17, 2006 | Warranty Deed, Transfer · Conventional Mortgage TOWNE BANK MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2006 · Amount on File |
| Deed Sale | Mar 17, 2006 · Amount on File |
| Prior Sale | Feb 28, 2003 · Amount on File |
| Deed Book / Page | 6420 / 349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 009807/586 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 9807/586 |
| Instrument | 170018432 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010277/307 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | 10277/307 |
| Instrument | 200048046 |
| Name | NEW DAY FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 010053/837 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 10053/837 |
| Instrument | 190023995 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010756/610 |
|---|---|
| Date | Jun 7, 2024 |
| Book Page | 10756/610 |
| Instrument | 240011238 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 17, 2006 |
| Property Address | 2328 LOCKS LNDG, CHESAPEAKE, VA 23323-3000 |
| Document Number | 006420/349 |
| Book / Page | 6420 / 349 |
| Instrument Date | Mar 6, 2006 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 0006420352 |
|---|---|
| Date | Mar 17, 2006 |
| Instrument | 6420/352 |
| Name | TOWNE BANK MTG |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2328 Locks Lndg was $3,737, up 5.3% from the year before.
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 | $400,500 (+8.24%) Land $185,000 Building $215,500 | $400,500 (+8.24%) Land $185,000 Building $215,500 | |
| 2025 | $3,737.00 (+5.27%) | $370,000 Land $170,000 Building $200,000 | $370,000 Land $170,000 Building $200,000 |
| 2024 | $3,550.00 | ||
| 2023 | $333,300 (+10.8%) Land $120,000 Building $213,300 | $333,300 (+10.8%) Land $120,000 Building $213,300 | |
| 2022 | $300,800 Land $110,000 Building $190,800 | $300,800 Land $110,000 Building $190,800 | |
| 2019 | $2,585.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 2328 Locks Lndg; 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 |
|
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 2328 Locks Lndg is low, with less than 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 99.1% of the US · lower than 99.6% 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 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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