Chesapeake City property record for 305 Saddle Ct, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,861 sqft · built 1990 |
| Lot Size | 0.327 acres (14,244 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Mar 2010) |
| Tax Bill | $3,885 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2020 Refinance |
| APN | 0441005000230 |
| Primary APN | 0441005000230 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| 1st Floor Area | 1,613 sqft |
| Attic | Attic |
| Attic Area | 390 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,244 sqft (0.327 acres) |
| Lot Dimensions | 145 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Patio Area | 382 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 305 SADDLE CT |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23323-1157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15S: RESI |
| Legal Description | 23 ELMWOOD LANDING WEST |
| Legal Subdivision | ELMWOOD LANDING,ELMWOOD LANDING WEST |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 21301 |
305 Saddle Ct is owned and occupied by an individual who bought it in March 2010.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| 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 |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance THE FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2010 · Amount on File |
| Deed Sale | Mar 30, 2010 · Amount on File |
| Prior Sale | Jan 8, 2010 · Amount on File |
| Deed Book / Page | 8078 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 305 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 305 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Document Number | 010959/189 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 10959/189 |
| Instrument | 260007336 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 5.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 305 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10226/593 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 10226/593 |
| Instrument | 200034990 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 305 Saddle Ct was $3,885, up 1.7% from the year before.
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 | $390,100 (+1.4%) Land $160,000 Building $230,100 | $390,100 (+1.4%) Land $160,000 Building $230,100 | |
| 2025 | $3,885.00 (+1.67%) | $384,700 Land $150,000 Building $234,700 | $384,700 Land $150,000 Building $234,700 |
| 2024 | $3,821.00 | ||
| 2023 | $355,800 (+8.24%) Land $130,000 Building $225,800 | $355,800 (+8.24%) Land $130,000 Building $225,800 | |
| 2022 | $328,700 Land $120,000 Building $208,700 | $328,700 Land $120,000 Building $208,700 | |
| 2019 | $2,819.00 |
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 305 Saddle Ct; 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 |
|
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 305 Saddle Ct 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 | 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 414 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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