Chesapeake City property record for 307 Saddle Ct, Chesapeake, VA 23323
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,133 sqft · built 1990 |
| Lot Size | 0.362 acres (15,769 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Jun 2016) |
| Tax Bill | $4,226 (2025) |
| Deeds & Mortgages | Jun 2007 Line of Credit Mar 2012 Mortgage + 4 more |
| APN | 0441005000240 |
| Primary APN | 0441005000240 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Upper Floors Area | 832 sqft |
| Attic | Attic |
| Attic Area | 460 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,769 sqft (0.362 acres) |
| Lot Dimensions | 167 ft deep x 88 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 338 sqft |
| Deck Area | Deck Area |
| Patio Area | 306 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 307 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 | 24 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 |
307 Saddle Ct is owned and occupied by an individual who acquired it in October 2025.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
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 |
|---|---|
| Jun 20, 2007 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST CO |
| Mar 15, 2012 | Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION |
| May 12, 2006 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST CO |
| Oct 20, 2025 | Gift Deed, Transfer |
| Jun 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Jun 10, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2016 · Amount on File |
| Deed Sale | Jun 23, 2016 · Amount on File |
| Prior Sale | Feb 25, 2010 · Amount on File |
| Deed Document Number | 201616675 |
| Deed Book / Page | 9661 / 673 |
| Last Transfer Date | Oct 15, 2025 |
| Transfer Doc | 010907/215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 007126/620 |
|---|---|
| Date | Jun 20, 2007 |
| Book Page | 7126/620 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 008640/550 |
|---|---|
| Date | Mar 15, 2012 |
| Book Page | 8640/550 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0006521/45 |
|---|---|
| Date | May 12, 2006 |
| Book Page | 6521/45 |
| Name | BRANCH BANKING & TRUST CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Oct 20, 2025 |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Document Number | 010907/215 |
| Book / Page | 10907 / 215 |
| Map Reference | MB 92 PG 20-20E |
| Instrument Date | Oct 15, 2025 |
| Instrument | 250024396 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 010387/933 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 10387/933 |
| Instrument | 210026424 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Recording Date | Jun 10, 2021 |
| Property Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Document Number | 10387/928 |
| Book / Page | 10387 / 928 |
| Instrument Date | May 28, 2021 |
| Instrument | 210026423 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 SADDLE CT, CHESAPEAKE, VA 23323-1157 |
| Document Number | 010387/933 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 10387/933 |
| Instrument | 210026424 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
The 2025 property tax bill for 307 Saddle Ct was $4,226, up 1.6% 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 | $424,600 (+1.48%) Land $160,000 Building $264,600 | $424,600 (+1.48%) Land $160,000 Building $264,600 | |
| 2025 | $4,226.00 (+1.59%) | $418,400 Land $150,000 Building $268,400 | $418,400 Land $150,000 Building $268,400 |
| 2024 | $4,160.00 | ||
| 2023 | $389,100 (+8.32%) Land $130,000 Building $259,100 | $389,100 (+8.32%) Land $130,000 Building $259,100 | |
| 2022 | $359,200 Land $120,000 Building $239,200 | $359,200 Land $120,000 Building $239,200 | |
| 2019 | $3,037.00 |
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 307 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 307 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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