Chesapeake City property record for 304 Luid Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,494 sqft · built 1987 |
| Lot Size | 3.04 acres (132,597 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,900 (Aug 2017) |
| Tax Bill | $6,466 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2021 Refinance + 3 more |
| APN | 0861007000180 |
| Primary APN | 0861007000180 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,494 sqft Living Area |
| 1st Floor Area | 994 sqft |
| Upper Floors Area | 994 sqft |
| Attic | Attic |
| Attic Area | 441 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 132,597 sqft (3.04 acres) |
| Lot Width | 113 ft Width |
| Garage Type | Detached |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 284 sqft |
| Deck Area | 441 sqft |
| Patio Area | 440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 304 LUID DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-2266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | N HICKORY RIDGE SEC TWO 3.044 AC |
| Legal Subdivision | HICKORY RIDGE (1985) |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 21009 |
304 Luid Dr is owned and occupied by two individuals who bought it in August 2017.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK |
| Apr 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC |
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Jul 27, 2021 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Aug 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2017 · Amount on File |
| Deed Sale | Aug 2, 2017 · Amount on File |
| Deed Document Number | 201721013 |
| Deed Book / Page | 9817 / 722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Sep 28, 2026 |
| Property Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Document Number | 0000024985 |
| Book / Page | 11026 / 1502 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202624985 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Document Number | 0000024985, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 11026/1502 |
| Instrument | 202624985 |
| Name | SOUTHERN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010363/178 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 10363/178 |
| Instrument | 210020059 |
| Name | CALIBER HOME LOANS INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0010130/90 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 10130/90 |
| Instrument | 200009717 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Feb 1, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10415/1922 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 10415/1922 |
| Instrument | 210034204 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Aug 2, 2017 |
| Property Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Document Number | 9817/722 |
| Book / Page | 9817 / 722 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 170021013 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 LUID DR, CHESAPEAKE, VA 23322-2266 |
| Document Number | 170021014 |
|---|---|
| Date | Aug 2, 2017 |
| Instrument | 170021014 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 304 Luid Dr was $6,466.
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 | $688,800 (+7.59%) Land $265,000 Building $423,800 | $688,800 (+7.59%) Land $265,000 Building $423,800 | |
| 2025 | $6,466.00 | $640,200 Land $235,000 Building $405,200 | $640,200 Land $235,000 Building $405,200 |
| 2023 | $563,700 (+6.46%) Land $185,000 Building $378,700 | $563,700 (+6.46%) Land $185,000 Building $378,700 | |
| 2022 | $529,500 Land $165,000 Building $364,500 | $529,500 Land $165,000 Building $364,500 | |
| 2019 | $4,204.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 304 Luid Dr; there have been 10 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 20 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 10 (1999–2025) |
| Claims Outside the SFHA | 10 of 10 |
| Most Recent Claim | May 2025 · 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.
Wildfire risk around 304 Luid Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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