3010 Bertram St, Chesapeake, VA 23323 Property Records

Chesapeake City property record for 3010 Bertram St, Chesapeake, VA 23323

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,905 sqft · built 1993
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Jul 2022)
Tax Bill	$4,187 (2025)
Deeds & Mortgages	Oct 2020 Refinance Jul 2022 Sale & Mortgage
APN	`0441005000490`

Property Details

APN / Parcel Number

Primary APN	`0441005000490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,905 sqft Living Area
1st Floor Area	684 sqft
Upper Floors Area	752 sqft
Attic	Attic
Attic Area	478 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,028 sqft (0.345 acres)
Lot Dimensions	167 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	234 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3010 BERTRAM ST
City	CHESAPEAKE
State	VA
Zip	23323-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15S: RESI
Legal Description	49 ELMWOOD LANDING WEST
Legal Subdivision	ELMWOOD LANDING,ELMWOOD LANDING WEST
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3002
Census Tract	21301

Owner

3010 Bertram St is owned and occupied by two individuals who bought it in July 2022.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3010 BERTRAM ST, CHESAPEAKE, VA 23323-1162
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on File
Deed Sale	Jul 12, 2022 · Amount on File
Prior Sale	Jun 3, 2016 · Amount on File
Deed Document Number	202222673
Deed Book / Page	10580 / 285
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESAPEAKE CITY VA
Property Address	3010 BERTRAM ST, CHESAPEAKE, VA 23323-1162
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010231/707
Date	Oct 5, 2020
Book Page	10231/707
Instrument	200036376

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Jul 12, 2022
Property Address	3010 BERTRAM ST, CHESAPEAKE, VA 23323-1162
Document Number	010580/285
Book / Page	10580 / 285
Instrument Date	Jul 11, 2022
Instrument	220022673
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	3010 BERTRAM ST, CHESAPEAKE, VA 23323-1162

Mortgage

Document Number	0220022674
Date	Jul 12, 2022
Instrument	220022674

Lender

Name	OVM FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3010 Bertram St was $4,187.

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		$422,300 (+1.86%) Land $160,000 Building $262,300	$422,300 (+1.86%) Land $160,000 Building $262,300
2025	$4,187.00	$414,600 Land $150,000 Building $264,600	$414,600 Land $150,000 Building $264,600
2023		$385,500 Land $130,000 Building $255,500	$385,500 Land $130,000 Building $255,500
2019	$3,108.00

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

Flood

FEMA has no flood map on file for 3010 Bertram St; there have been 9 flood claims nearby since 1999.

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 73 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	73 in force
Nearby Flood Claims	9 (1999–2024)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 3010 Bertram St is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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