Chesapeake City property record for 2856 Flag Rd, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,319 sqft · built 1960 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (May 2026) |
| Tax Bill | $2,900 (2025) |
| Deeds & Mortgages | May 2021 Second Mortgage May 2026 Sale & Mortgage + 4 more |
| APN | 0342001000280 |
| Primary APN | 0342001000280 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,319 sqft Living Area |
| 1st Floor Area | 1,319 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Width | 75 ft Width |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 166 sqft |
| Deck Area | 150 sqft |
| Patio Area | 60 sqft |
| Quonset Hut | 117 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2856 FLAG RD |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-2102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10S: RESI |
| Legal Description | 28 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 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME |
| May 20, 2026 | Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 20, 2026 | Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Mar 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
| Oct 5, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Oct 5, 2018 | Warranty Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2026 · Amount on Record |
| Deed Sale | May 20, 2026 · Amount on Record |
| Prior Sale | Mar 19, 2024 · Amount on Record |
| Deed Document Number | 202612882 |
| Deed Book / Page | 10981 / 617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 10374/1899 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 10374/1899 |
| Instrument | 210023182 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPME |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Oct 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 20, 2026 |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 0000012882 |
| Book / Page | 10981 / 617 |
| Instrument Date | May 18, 2026 |
| Instrument | 202612882 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,825.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 0000012883, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 202612883 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | May 20, 2026 |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 010981/617 |
| Book / Page | 10981 / 617 |
| Instrument Date | May 18, 2026 |
| Instrument | 202612882 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,825.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 0000012883, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 202612883 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Mar 19, 2024 |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 10734/1333 |
| Book / Page | 10734 / 1333 |
| Instrument Date | Mar 14, 2024 |
| Instrument | 240005186 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2024 |
| Title Company | PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| 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 | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 0240005187 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 240005187 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 9958/40 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 9958/40 |
| Instrument | 180026682 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 5, 2018 |
| Property Address | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 9958/23 |
| Book / Page | 9958 / 23 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 180026680 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY |
| 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 | 2856 FLAG RD, CHESAPEAKE, VA 23323-2102 |
| Document Number | 180026681 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 180026681 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0009958/40 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 9958/40 |
| Instrument | 180026682 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| 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 | $315,200 (+9.79%) Land $140,000 Building $175,200 | $315,200 (+9.79%) Land $140,000 Building $175,200 | |
| 2025 | $2,900.00 (+54.67%) | $287,100 (+23.38%) Land $135,000 Building $152,100 | $287,100 (+23.38%) Land $135,000 Building $152,100 |
| 2023 | $232,700 (+8.08%) Land $110,000 Building $122,700 | $232,700 (+8.08%) Land $110,000 Building $122,700 | |
| 2022 | $215,300 Land $100,000 Building $115,300 | $215,300 Land $100,000 Building $115,300 | |
| 2019 | $1,875.00 |
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 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 |
|
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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 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 46 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 | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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