3056 Bowden Lndg, Cape Charles, VA 23310 Property Records

Northampton County property record for 3056 Bowden Lndg, Cape Charles, VA 23310

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,132 sqft · built 2003
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$900,000 (Mar 2022)
Tax Bill	$6,254 (2025)
Deeds & Mortgages	Jan 2005 Mortgage Jan 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`84-8-24`

Property Details

APN / Parcel Number

Primary APN	`84-8-24`
Alternative APNs	`10008124` `338330` `13418`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	3,132 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	31,363 sqft (0.719 acres)
Garage Type	Mixed
Garage Area	416 sqft
Carport	Carport
Carport Area	312 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	556 sqft
Patio Area	884 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	10008124
Street Address	3056 BOWDEN LNDG
City	CAPE CHARLES
State	VA
Zip	23310-2584
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 WATERSON'S POINT AT T ASE 1 SEC 1 LOT 24 WATERSON'S POINT AT T ASE 1 SEC 1
Legal Phase	1
Legal Lot Number	24
Jurisdiction	NORTHAMPTON VA
Township / Civil Division	2
Census Block Group	3
Census Block	3000
Census Tract	930301

Owner

3056 Bowden Lndg is owned by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	240 MONROE AVE, CAPE CHARLES, VA 23310-3218
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
Jan 3, 2005	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 4, 2012	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 2, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Deed Document Number	220000542
Record Updated	Jun 8, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3056 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	0050000010
Date	Jan 3, 2005
Instrument	050000010

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	RICHMOND, VA 23227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2035

Interest

Rate	5.75%

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON VA
Property Address	3056 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	WALKER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120000025
Date	Jan 4, 2012
Instrument	120000025

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2042

Interest

Rate Type	Fixed Rate
Rate	2.5%
Type Change Date	Jan 1, 2017
Change Frequency	Monthly
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	7.5%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NORTHAMPTON VA
Recording Date	Mar 2, 2022
Property Address	3056 BOWDEN LNDG, CAPE CHARLES, VA 23310-2584
Document Number	0220000542
Instrument Date	Feb 16, 2022
Instrument	220000542
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	ANCHOR TITLE COMPANY, A&N TITLE & SETTLEMENT

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	240 MONROE AVE, CAPE CHARLES, VA 23310-3218

Mortgage

Document Number	0220000543
Date	Mar 2, 2022
Instrument	220000543

Lender

Name	HOMETOWN LENDERS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3056 Bowden Lndg was $6,254.

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	$6,254.00	$887,200 Land $164,000 Building $723,200
2024			$887,200 (+16.46%) Land $164,000 Building $723,200
2023	$5,789.00	$761,800 Land $133,000 Building $628,800	$761,800 Land $133,000 Building $628,800

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

Flood

FEMA maps place 3056 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 3056 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.

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