Chesapeake City property record for 2406 Payne Rd, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 825 sqft · built 1953 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (May 2022) |
| Tax Bill | $2,218 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Nov 2006 Mortgage + 3 more |
| APN | 0252007001030 |
| Primary APN | 0252007001030 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 825 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,710 sqft (0.177 acres) |
| Lot Width | 65 ft Width |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2406 PAYNE RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-4607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8S: RESID |
| Legal Description | 103 REPLAT LOXLEY GARDENS |
| Legal Subdivision | LOXLEY GARDENS |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21403 |
Source: Chesapeake City records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Nov 20, 2006 | Deed of Trust, Mortgage · Balloon Mortgage ENCORE CREDIT CORP |
| Jun 27, 2006 | Deed of Trust, Mortgage · ARM CHAMPION MORTGAGE |
| Apr 10, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| May 17, 2022 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2022 · Amount on Record |
| Deed Sale | May 17, 2022 · Amount on Record |
| Prior Sale | Aug 31, 2000 · Amount on Record |
| Deed Document Number | 202216755 |
| Deed Book / Page | 10560 / 1316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 10315/1835 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 10315/1835 |
| Instrument | 210008167 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006841/634 |
|---|---|
| Date | Nov 20, 2006 |
| Book Page | 6841/634 |
| Name | ENCORE CREDIT CORP |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 006611/780 |
|---|---|
| Date | Jun 27, 2006 |
| Book Page | 6611/780 |
| Name | CHAMPION MORTGAGE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 20, 2008 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 10841/1765 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | 10841/1765 |
| Instrument | 250007174 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 17, 2022 |
| Property Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Document Number | 10560/1316 |
| Book / Page | 10560 / 1316 |
| Instrument Date | May 9, 2022 |
| Instrument | 220016755 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2022 |
| Title Company | CHAMPION TITLE & SETTLEMENTS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2406 PAYNE RD, CHESAPEAKE, VA 23323-4607 |
| Document Number | 0220016756 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 220016756 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Number | 10560/1337 |
|---|---|
| Date | May 17, 2022 |
| Book Page | 10560/1337 |
| Instrument | 220016757 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
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 | $231,700 (+5.51%) Land $130,000 Building $101,700 | $231,700 (+5.51%) Land $130,000 Building $101,700 | |
| 2025 | $2,218.00 (+64.66%) | $219,600 (+8.82%) Land $120,000 Building $99,600 | $219,600 (+8.82%) Land $120,000 Building $99,600 |
| 2023 | $201,800 (+14.79%) Land $100,000 Building $101,800 | $201,800 (+14.79%) Land $100,000 Building $101,800 | |
| 2022 | $175,800 Land $85,000 Building $90,800 | $175,800 Land $85,000 Building $90,800 | |
| 2019 | $1,347.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 10 (1991–2019) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Feb 2019 · river or lake 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.
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 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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