3018 Bowden Lndg, Cape Charles, VA 23310 Property Records

Northampton County property record for 3018 Bowden Lndg, Cape Charles, VA 23310

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,796 sqft · built 1754
Lot Size	2.32 acres (101,495 sqft)
Owner	Trust Name on File
Last Sale	$1,000,000 (Aug 2019)
Tax Bill	$9,911 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Oct 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`84-8-29`

Property Details

APN / Parcel Number

Primary APN	`84-8-29`
Alternative APNs	`473060` `13423`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,796 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1754
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	101,495 sqft (2.32 acres)
Porch	Open Porch
Porch Area	616 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	473060
Street Address	3018 BOWDEN LNDG
City	CAPE CHARLES
State	VA
Zip	23310-2584
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 WATERSON'S POINT TOWE NN LOT 29 WATERSON'S POINT TOWE NN
Legal Lot Number	29
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	3
Census Block	3000
Census Tract	930301

Owner

3018 Bowden Lndg is owner-occupied and held in a trust since November 2025.

Source: Northampton County records, as of March 11, 2026

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit VIRGINIA COMMONWEALTH BANK
Oct 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage TOWNEBANK
Nov 5, 2025	Intrafamily Transfer, Transfer
Oct 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage TOWNEBANK
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit VIRGINIA COMMONWEALTH BANK
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Aug 21, 2019 · Amount on File
Deed Document Number	0190001380
Last Transfer Date	Nov 5, 2025
Transfer Doc	0250001894
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001992
Date	Dec 19, 2018
Instrument	180001992

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001746
Date	Oct 24, 2019
Instrument	190001746

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	420 Months
Due	Oct 17, 2054

Interest

Rate Type	Adjustable Rate

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NORTHAMPTON VA
Recording Date	Nov 5, 2025
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Document Number	0250001894
Map Reference	MB 29 PG 44-53
Instrument Date	Oct 10, 2025
Instrument	250001894
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001746
Date	Oct 24, 2019
Instrument	190001746

Lender

Name	TOWNEBANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	420 Months
Due	Oct 17, 2054

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180001992
Date	Dec 19, 2018
Instrument	180001992

Lender

Name	VIRGINIA COMMONWEALTH BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Aug 21, 2019
Property Address	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Document Number	0190001380
Instrument Date	Mar 19, 2019
Instrument	190001380
Transaction Type	Transfer
Record Updated	Mar 12, 2026
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	3018 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584

Mortgage

Document Number	0190001381
Date	Aug 21, 2019
Instrument	190001381

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3018 Bowden Lndg was $9,911, up 2.9% from the year before.

Source: Northampton County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Northampton County
Unified School District	Northampton County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,911.00 (+2.92%)	$1,405,900 (-) Land $434,000 Building $971,900
2024	$9,630.00 (+10.51%)	$1,405,900 (+22.6%) Land $434,000 Building $971,900	$1,405,900 (+22.6%) Land $434,000 Building $971,900
2023	$8,714.00	$1,146,700 Land $358,000 Building $788,700	$1,146,700 Land $358,000 Building $788,700

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

Flood

FEMA maps place 3018 Bowden Lndg in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 26, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 47 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	47 in force

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 3018 Bowden 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 98% of the US · lower than 99% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Eastern Shore of Virginia Broadband Authority Fiber	200 / 200

May also be available: Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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