Chesapeake City property record for 2449 Locks Lndg, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,064 sqft · built 1989 |
| Lot Size | 0.261 acres (11,369 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jul 2023) |
| Tax Bill | $4,063 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit Sep 2020 Refinance + 7 more |
| APN | 0348001000230 |
| Primary APN | 0348001000230 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,064 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Upper Floors Area | 728 sqft |
| Attic | Attic |
| Attic Area | 360 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,369 sqft (0.261 acres) |
| Lot Dimensions | 115 ft deep x 69 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 196 sqft |
| Deck Area | Deck Area |
| Patio Area | 330 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2449 LOCKS LNDG |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 23 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 | 1021 |
| Census Tract | 21304 |
2449 Locks Lndg is owned and occupied by two individuals who bought it in July 2023.
Source: Chesapeake City records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| May 23, 2006 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 23, 2006 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Sep 5, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance VETERANS UNITED HOME LOANS |
| Sep 5, 2012 | Deed of Trust, Mortgage · Line of Credit US BANK HOME MORTGAGE |
| Jul 11, 2023 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Feb 23, 2021 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Sep 29, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2023 · Amount on File |
| Deed Sale | Jul 11, 2023 · Amount on File |
| Prior Sale | Feb 23, 2021 · Amount on File |
| Deed Document Number | 202314543 |
| Deed Book / Page | 10677 / 1994 |
| Prior Transfer Date | Sep 26, 2017 |
| Prior Transfer Doc | 09838/1936 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 009896/690 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 9896/690 |
| Instrument | 180007716 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 16, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 010226/248 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 10226/248 |
| Instrument | 200034963 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 006535/659 |
|---|---|
| Date | May 23, 2006 |
| Book Page | 6535/659 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 006535/681 |
|---|---|
| Date | May 23, 2006 |
| Book Page | 6535/681 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 10, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 010782/869 |
|---|---|
| Date | Sep 5, 2024 |
| Book Page | 10782/869 |
| Instrument | 240018324 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 008806/370 |
|---|---|
| Date | Sep 5, 2012 |
| Book Page | 8806/370 |
| Name | US BANK HOME MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jul 11, 2023 |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Document Number | 10677/1994 |
| Book / Page | 10677 / 1994 |
| Instrument Date | Jul 6, 2023 |
| Instrument | 230014543 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2023 |
| Title Company | NOT AVAILABLE, STEWART TITLE & STLMNT SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Document Number | 0230014544 |
|---|---|
| Date | Jul 11, 2023 |
| Instrument | 230014544 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Feb 23, 2021 |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Document Number | 10317/87 |
| Book / Page | 10317 / 87 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 210008419 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Document Number | 210008421 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 210008421 |
| Name | VETERANS UNITED HOME LOANS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 29, 2017 |
| Property Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Document Number | 09838/1936 |
| Book / Page | 9838 / 1936 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 170026940 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2449 LOCKS LNDG, CHESAPEAKE, VA 23323-3045 |
| Investor | Possibly a Property Investor |
| Document Number | 09838/1940 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 9838/1940 |
| Instrument | 170026941 |
| Name | BANK OF AMERICA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 2449 Locks Lndg was $4,063, up 3.4% 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 | $434,000 (+7.88%) Land $185,000 Building $249,000 | $434,000 (+7.88%) Land $185,000 Building $249,000 | |
| 2025 | $4,063.00 (+3.36%) | $402,300 Land $170,000 Building $232,300 | $402,300 Land $170,000 Building $232,300 |
| 2024 | $3,931.00 | ||
| 2023 | $372,700 (+8.28%) Land $120,000 Building $252,700 | $372,700 (+8.28%) Land $120,000 Building $252,700 | |
| 2022 | $344,200 Land $110,000 Building $234,200 | $344,200 Land $110,000 Building $234,200 | |
| 2019 | $2,985.00 |
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 2449 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 2449 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 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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