Northampton County property record for 311 Arnies Loop, Cape Charles, VA 23310
| Lot Size | 0.351 acres (15,333 sqft) |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $47,500 (Aug 2012) |
| Tax Bill | $6,109 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance May 2013 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-4-70A |
| Primary APN | 90-4-70A |
|---|---|
| Alternative APNs |
|
| Lot Area | 15,333 sqft (0.351 acres) |
|---|
| Account Number | 10003690 |
|---|---|
| Street Address | 311 ARNIES LOOP |
| City | CAPE CHARLES |
| State | VA |
| Zip | 23310-2367 |
| Property Category | Other |
| Property Type | Unknown |
| Legal Description | LOT 70A REDIV OF LOT 70 15,3 CREEK THE SIGNATURE LOT 70A REDIV OF LOT 70 15,3 CREEK THE SIGNATURE |
| Legal Subdivision | BAY CREEK |
| Legal Lot Number | 70A,70 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 930301 |
Source: Northampton County records, as of March 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC |
| May 14, 2013 | Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Aug 5, 2010 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 25, 2005 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 25, 2005 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Sep 9, 2021 | Intrafamily Transfer, Transfer |
| Aug 17, 2012 | Deed, Subdivision Related Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2012 · Amount on Record |
| Deed Sale | Aug 17, 2012 · Amount on Record |
| Prior Sale | Aug 17, 2012 · Amount on Record |
| Deed Document Number | 0120001397 |
| Last Transfer Date | Sep 9, 2021 |
| Transfer Doc | 0210002332 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0210000605 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 210000605 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001300/892 |
|---|---|
| Date | May 14, 2013 |
| Book Page | 1300/892 |
| Name | SEVERN SAVINGS BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2043 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | LSI |
| Name | Verified Name |
|---|
| Document Number | 0100001316 |
|---|---|
| Date | Aug 5, 2010 |
| Instrument | 100001316 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | NEWARK, NJ 07101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2040 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0050000791 |
|---|---|
| Date | Feb 25, 2005 |
| Instrument | 050000791 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0050000792 |
|---|---|
| Date | Feb 25, 2005 |
| Instrument | 050000792 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 22, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 9, 2021 |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Document Number | 0210002332 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 210002332 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Aug 17, 2012 |
| Property Address | 311 ARNIES LOOP, CAPE CHARLES, VA 23310-2367 |
| Document Number | 0120001397 |
| Map Reference | MB30 PG81-90 |
| Instrument Date | Aug 8, 2012 |
| Instrument | 120001397 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $47.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4372 LAKE PRINCE DR, SUFFOLK, VA 23434-6816 |
Source: Northampton County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Cape Charles Town |
| County | Northampton County |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,109.00 (+30.76%) | $866,600 (+40.96%) Land $91,400 Building $775,200 | |
| 2024 | $866,600 (+40.96%) Land $91,400 Building $775,200 | ||
| 2023 | $4,672.00 | $614,800 Land $65,400 Building $549,400 | $614,800 Land $65,400 Building $549,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.5% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% 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 | TOWN OF CAPE CHARLES serves 1,342 people · EPA ID VA3131120 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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