2825 Flag Rd, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 2825 Flag Rd, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,572 sqft · built 1951
Lot Size	0.407 acres (17,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2021)
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage Nov 2023 Second Mortgage + 7 more
APN	`0342001000150`

Property Details

APN / Parcel Number

Primary APN	`0342001000150`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,572 sqft Living Area
1st Floor Area	1,014 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2020
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	252 ft deep x 77 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	116 sqft
Deck Area	576 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2825 FLAG RD
City	CHESAPEAKE
State	VA
Zip	23323-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S: RESI
Legal Description	15 JOHN V TAYLOR & BRADLEY GOODRICH PLAT
Legal Subdivision	FLAG RD
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	1
Census Block	1012
Census Tract	21401

Owner

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	2 Individual Names on Record
Mailing Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Sep 29, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 15, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC
Jul 13, 2009	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIA
Apr 5, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Nov 15, 2017	Intrafamily Transfer, Transfer · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC
May 2, 2014	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GRO
Jun 27, 2006	Warranty Deed, Transfer · Conventional Mortgage UNITED CAPITAL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	May 2, 2014 · Amount on Record
Deed Document Number	202115542
Deed Book / Page	10345 / 1038
Prior Transfer Date	Nov 1, 2017
Prior Transfer Doc	9855/1851
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10610/1946
Date	Oct 19, 2022
Book Page	10610/1946
Instrument	220031944

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	343 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10708/1050
Date	Nov 17, 2023
Book Page	10708/1050
Instrument	230023851

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	330 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101

Mortgage

Document Number	010899/452
Date	Sep 29, 2025
Book Page	10899/452
Instrument	250022459

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	May 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09855/1855
Date	Nov 15, 2017
Book Page	9855/1855
Instrument	170031779

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007871/404
Date	Jul 13, 2009
Book Page	7871/404

Lender

Name	PROVIDENT FUNDING ASSOCIA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2039

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 5, 2021
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Document Number	10345/1038
Book / Page	10345 / 1038
Instrument Date	Mar 31, 2021
Instrument	210015542
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101

Mortgage

Document Number	210015543
Date	Apr 5, 2021
Instrument	210015543

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Nov 15, 2017
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Document Number	9855/1851
Book / Page	9855 / 1851
Instrument Date	Nov 1, 2017
Instrument	170031778
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101

Mortgage

Document Number	9855/1855
Date	Nov 15, 2017
Book Page	9855/1855
Instrument	170031779

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

May 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	May 2, 2014
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Document Number	9369/0272
Book / Page	9369 / 0272
Instrument Date	Apr 22, 2014
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount Recorded
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	93690275
Date	May 2, 2014
Instrument	9369/0275

Lender

Name	ATLANTIC BAY MORTGAGE GRO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	009369/291
Date	May 2, 2014
Book Page	9369/291

Lender

Name	VIRGINIA HOUSING DEVELOPM

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2044

Interest

Rate Type	Fixed Rate

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jun 27, 2006
Property Address	2825 FLAG RD, CHESAPEAKE, VA 23323-2101
Document Number	006609/413
Book / Page	6609 / 413
Instrument Date	Jun 22, 2006
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	0006609416
Date	Jun 27, 2006
Instrument	6609/416

Lender

Name	UNITED CAPITAL MTG

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$319,800 (+3.63%) Land $140,000 Building $179,800	$319,800 (+3.63%) Land $140,000 Building $179,800
2025	$3,117.00 (+2.16%)	$308,600 (+9.43%) Land $135,000 Building $173,600	$308,600 (+9.43%) Land $135,000 Building $173,600
2024	$3,051.00 (+48.54%)
2023		$282,000 (+9.43%) Land $110,000 Building $172,000	$282,000 (+9.43%) Land $110,000 Building $172,000
2022		$257,700 Land $100,000 Building $157,700	$257,700 Land $100,000 Building $157,700
2019	$2,054.00

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 56 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	26 (1999–2018)
Claims Outside the SFHA	7 of 26
Most Recent Claim	Sep 2018 · rainfall accumulation
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Irene, Aug 2011 · 5 claims Hurricane Isabel, Sep 2003 · 5 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 96% of the US · lower than 98% 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.

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 181 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
AT&T Fixed Wireless	100 / 20