Chesapeake City property record for 309 Downing Dr, Chesapeake, VA 23322
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,324 sqft · built 1989 |
| Lot Size | 0.262 acres (11,413 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,873 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Nov 2019 Mortgage + 1 more |
| APN | 0493001001780 |
| Primary APN | 0493001001780 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,324 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Upper Floors Area | 952 sqft |
| Attic | Attic |
| Attic Area | 546 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,413 sqft (0.262 acres) |
| Lot Dimensions | 134 ft deep x 213 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 309 DOWNING DR |
|---|---|
| City | CHESAPEAKE |
| State | VA |
| Zip | 23322-8703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R12AS: RES |
| Legal Description | 178 JOLLIFF STATION SEC ONE |
| Legal Subdivision | TUNBRIDGE STATION SOUTH, JOLLIFF STATION |
| Jurisdiction | CHESAPEAKE CITY VA |
| Township / Civil Division | CHESAPEAKE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21101 |
309 Downing Dr is owned and occupied by two individuals.
Source: Chesapeake City records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 DOWNING DR, CHESAPEAKE, VA 23322-8703 |
| 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 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| Nov 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Aug 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 309 DOWNING DR, CHESAPEAKE, VA 23322-8703 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 10325/1130 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 10325/1130 |
| Instrument | 210010523 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 309 DOWNING DR, CHESAPEAKE, VA 23322-8703 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 010082/935 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 10082/935 |
| Instrument | 190032315 |
| Name | QUICKEN LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESAPEAKE CITY VA |
| Property Address | 309 DOWNING DR, CHESAPEAKE, VA 23322-8703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|
| Document Number | 9823/72 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 9823/72 |
| Instrument | 170022546 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 309 Downing Dr was $4,873.
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 | $501,800 (+4%) Land $210,000 Building $291,800 | $501,800 (+4%) Land $210,000 Building $291,800 | |
| 2025 | $4,873.00 | $482,500 Land $185,000 Building $297,500 | $482,500 Land $185,000 Building $297,500 |
| 2023 | $439,200 (+10.97%) Land $175,000 Building $264,200 | $439,200 (+10.97%) Land $175,000 Building $264,200 | |
| 2022 | $395,800 Land $150,000 Building $245,800 | $395,800 Land $150,000 Building $245,800 | |
| 2019 | $3,387.00 |
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 309 Downing Dr; there have been 26 flood claims nearby since 1990.
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 183 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 26 (1990–2020) |
| Claims Outside the SFHA | 3 of 26 |
| Most Recent Claim | Nov 2020 · 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 309 Downing Dr 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 99.8% of the US · lower than 99.9% 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.
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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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