2405 Spindrift Rd, Virginia Beach, VA 23451 Property Records

Virginia Beach City property record for 2405 Spindrift Rd, Virginia Beach, VA 23451

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,600 sqft · built 2005
Lot Size	0.461 acres (20,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (May 2006)
Tax Bill	$12,846 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2021 Mortgage
APN	`1499-99-3458`

Property Details

APN / Parcel Number

Primary APN	`1499-99-3458`
Alternative APN	`149-999-34580-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,600 sqft Living Area
Gross Area	4,233 sqft
1st Floor Area	3,600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,076 sqft (0.461 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	279 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	1499-99-3458
Street Address	2405 SPINDRIFT RD
City	VIRGINIA BEACH
State	VA
Zip	23451-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	BAY ISLAND SEC 2 LOT 251
Legal Subdivision	BAY ISLAND
Legal Block	3
Legal Lot Number	251
Jurisdiction	VIRGINIA BEACH CITY VA
Township / Civil Division	VIRGINIA BEACH
Census Block Group	3
Census Block	3001
Census Tract	43004

Owner

Source: Virginia Beach City records, as of March 30, 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	2405 SPINDRIFT RD, VIRGINIA BEACH, VA 23451-1722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2006 · Amount on Record
Deed Sale	May 16, 2006 · Amount on Record
Prior Sale	Jul 30, 2003 · Amount on Record
Deed Document Number	2006742940
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VIRGINIA BEACH CITY VA
Property Address	2405 SPINDRIFT RD, VIRGINIA BEACH, VA 23451-1722
Transaction Type	Mortgage
Record Updated	Jan 27, 2023
Title Company	VIRGINIA HOME TITLE & STLMTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001496
Date	Jan 17, 2023
Instrument	202303001496

Lender

Name	TOWNEBANK
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jan 11, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VIRGINIA BEACH CITY VA
Property Address	2405 SPINDRIFT RD, VIRGINIA BEACH, VA 23451-1722
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	STEWART TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009167
Date	Jul 22, 2021
Instrument	202103059167

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	2.25%

Tax Assessment & Valuation

Source: Virginia Beach City assessment roll, as of September 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,846.00 (+4.93%)	$1,324,400 (+6.46%) Land $730,000 Building $594,400	$1,324,400 (+6.46%) Land $730,000 Building $594,400
2024	$12,242.00 (-0.59%)
2023	$12,315.00	$1,244,000 Land $671,600 Building $572,400	$1,244,000 Land $671,600 Building $572,400

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

Flood

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 177 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	177 in force
Nearby Flood Claims	30 (1998–2023)
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 6 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 8 claims Hurricane Isabel, Sep 2003 · 6 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF VIRGINIA BEACH serves 437,994 people · EPA ID VA3810900
Water Source	Purchased surface water from CITY OF NORFOLK
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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