Northampton County property record for 302 Arnies Loop, Cape Charles, VA 23310
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,409 sqft · built 2006 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Nov 2003) |
| Tax Bill | $5,781 (2025) |
| Deeds & Mortgages | Nov 2020 Refinance Jul 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-4-33 |
| Primary APN | 90-4-33 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,409 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 475 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Account Number | 356290 |
|---|---|
| Street Address | 302 ARNIES LOOP |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 31,034 SQ FT BAY CREE URE LOT 33 31,034 SQ FT BAY CREE URE |
| Legal Subdivision | BAY CREEK |
| Legal Lot Number | 33 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 930301 |
Source: Northampton County assessment roll, APN 90-4-33, as of August 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AAFMAA MORTGAGE SERVICES LLC |
| Jul 23, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Mar 06, 2013 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Jul 28, 2006 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Mar 13, 2009 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 28, 2006 | Deed of Trust, Mortgage PENTAGON FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 10, 2003 · Amount on Record |
| Deed Sale | Nov 10, 2003 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200002459 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 200002459 |
| Name | AAFMAA MORTGAGE SERVICES LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 01, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210001926 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 210001926 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 05, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001300/417 |
|---|---|
| Date | Mar 06, 2013 |
| Book Page | 1300/417 |
| Name | QUICKEN LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0060002139 |
|---|---|
| Date | Jul 28, 2006 |
| Instrument | 060002139 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jun 26, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0090000484 |
|---|---|
| Date | Mar 13, 2009 |
| Instrument | 090000484 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 302 ARNIES LOOP, CAPE CHARLES, VA 23310-2366 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0060002138 |
|---|---|
| Date | Jul 28, 2006 |
| Instrument | 060002138 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 15, 2011 |
Source: Northampton County assessment roll as of August 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,781.00 (+46.32%) | $820,100 (+57.74%) Land $78,400 Building $741,700 | |
| 2024 | $820,100 (+57.74%) Land $78,400 Building $741,700 | ||
| 2023 | $3,951.00 | $519,900 Land $45,400 Building $474,500 | $519,900 Land $45,400 Building $474,500 |
Source: FEMA National Flood Hazard Layer, Northampton County (51131C), as of October 26, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511319303013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record median of 47 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 47 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 49 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system VA3131120, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF CAPE CHARLES serves 1,342 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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